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Found 24 results

  1. I have been personally dealing with my landlord for over a year now without any legal support to correct being overcharged for rent at my residence for 11 years. During my tenancy (before march 2013) I was issued with court costs as my landlord made applications to the court to recover rent arrears held on my account. I signed a tenancy agreement for a 1 Bedroom apartment in 2002. The rent was set and I never questioned it (Why would I??). In March 2013, I found out that from the start of my tenancy I was registered as a two bedroom tenant paying rent for a two bedroom accommo
  2. Hi, I travel from Marks tey to London at least twice a week. 2 weeks ago I bought my return ticket and I believe I stupidly left the tickets in the self service ticket point. I realised as I got off the train and spoke to a member of the greater anglia team to explain my situation. They said they would have to fine me but advised me to pay half the fine of 23.60 as they did I would be able to appeal if I had proof of payment. They also said I could keep the single ticket I buy myself later in the day and include it in my appeal. I followed h
  3. Hi All, Me, my Husband and daughter(18) rented three storage "garages" from a storage company three years ago. In February 2014 they had problems with leaky roof which caused damage to daughter's stuff in her garage, which they never compensated for saying beyond their control as rain is an act of God (????). They put the charges up this year (contract to run April 14 - March 15) which we weren't prepared to pay as they still haven't repaired the roof. We therefore gave a month notice and removed our stuff on the 25th April. On the 2nd of May they then issued three invoices, min
  4. Dear all I have received the informartion from Halifax on all charges on my current account and now need to know how to progress. Do I just highlight these and send to the bank or FOS? Do you have a letter template I can use? I am a single mother who works but have experienced payday loans excess charges and thus causing fees on my account and also passing to other companies who have taken too much. I am in serious debt and although work am making it hard to make ends meet. Halifax have refused to help me with any charges apart from cancelling these for 3 mon
  5. Hello! I have a problem with my last employer, owner of the care home I worked for. Due to certain mistake I've made I was put on garden leave, awaiting my disciplinary meeting. On the day I had my disciplinary I provided the statement, prior to the meeting and gave my notice. Chair of the meeting said they accept my notice, yet will go with the meeting as planned. Although I provided mitigating circumstances I was found guilty and chair of the disciplinary hearing said 'had you not resigned we would sack you for gross misconduct'. Few weeks after I received my final pay slip
  6. I need help!! I have a parking fine with Blackpool council for £112 (this includes court fee etc) I had a visit today from Phoenix Commercial collections Bailiff handing me a "notice of bailiff having visited" letter, stating I owe them £311.44 I asked him how he came to that figure and he stated it was his companies guidelines for what they charge. I have spoken to Blackpool council who are refusing to accept my payment of the £112 direct to them, stating I have to deal with the bailiff direct now. I spoke to Phoenix who again are refusing this amount and state I have
  7. hi i took out a loan with quid24 for 100, with a repayment of £110 , unfortunatly wasnt able to pay it on time, and within 6 days of missed due date £190 of charges had been added, they claim the charges are for letters they have sent but i have only ever recieved emails which they claim to be the letters. anyway here it a converstion log i have had with them so far. please let me know what you think , i have tried throwing a few legal quotes here and there (although i have probably got them wrong lol ) i have paid them £110.38 thet still persistant that i owe them £189.62 and dont seem to
  8. Hi guys, just a quick query. Over the last year i was stupid enough to have severaql payday loans to which i was not able to pay. First was with MiniCredit which is being dealt with, and sure most people that use this site are aware of the issues with this company. The Second loan is with CFO Lending. Both have issued me with several charges to my account, including missed payment charges and interest charged per day. On this site and others I have seen stated that the amount that people have to pay is "amount borrowed plus one month's interest" I've informed both comp
  9. Hi, This is my first time claiming back a deposit so I have a few questions and would really appreciate some advice! I just moved out of a shared house a couple of weeks ago. My tenancy ended on June 30th, and I left the property on June 29th. As it was a student house and term was over, a couple of my housemates moved out a few weeks before the end of tenancy, however myself and another housemate, while not actively staying in the house, still had our belongings there and so had not yet moved out of the property. Myself and the other remaining housemate planned on returning to the p
  10. Hi Everyone Can anyone provide any advice on how I should complain and attempt to get the original Business Loan Repayment Insurance Cost and subsequent Bank Charges back on the following:- In 2004 we had a Limited Company who banked with Lloyds TSB, when we needed to consolidate the debt of the the Overdrafts with this bank. We took out a loan for £40,000 plus a charge of 7017.00 for Business Loan Repayment Insurance and a £400.00 Arrangement Fee, this was secured by a Guarantee and Charge over our Property. We had many problems during the period up until 2009 when we allowed ou
  11. Hi i went to get a ticket from a machine in an ncp car park,the machine would not take my money,then it stated that only credit cards... i went to get my credit card and received a ticket within 1 minute of looking and parking. please help:mad2:
  12. Dear CAG Forum users, I've been following this forum for quite some time but this is my first post. Last week I had the misfortune of a bailiff visit to my property whilst I was away working - to collect Council Tax arrears. He managed to raise the attentions of my landlady, who lives a few doors away, and made a number of verbal threats which clearly distressed her. Luckily, through a series of telephone calls, I managed to sort the matter out remotely and simply paid what I was told I owed in full over the phone as I didn't want the situation to go any further. In the previou
  13. Hi All, Had a Capital One credit card with 200 pounds limit - at one point in 2007 it went upto 220 and over the course of a few months it escalated to 550! i wasn't aware of these charges as i didn't receive most of the paper work - also i was abroad for some of the time... i then partially settled it in 2008 - but was unaware that it will still be set as a default in 2007 and will not come off my credit file until end of 2013... I sent a letter in feb 2012 to the executive response team at Cap1 requesting for the default to be removed as it's ruining my life and that of my fam
  14. Please can someone give me some sound advice...... 5 yrs ago i paid for my double glazing with interest free finance from GE Money. About 2 yrs ago I got into difficulty paying my direct debit on time, and although it was always paid it was often late, and GE Money always let me know this with numerous letters/reminders to myself, my wife, and both of us at the same time ! Now my 5 yrs is up and GE Money have informed me that I still owe £600 for late payment charges etc, so my payments will continue, interest free for another 10 months. I have no problems with making these paym
  15. Hello to you all, I wonder if anyone can help. Some time ago, I went after A & L for unfair bank charges. They were bouncing £1 standing orders and charging me a fortune. It ended up about £350 + on charges. The case was stayed until the Office of Fair Trading V Abbey case was settled. I have now received a General Form of Judgement of Order. It states that the matter is listed for directions when the court will consider striking out the claim following of the decision of the Supreme Court test case (office of fair trading v Abbey National) and if the claimant (me) objects to the claim b
  16. I've been with littlewoods for years, set a direct debit for monthly payment from the very beginning. cos i am quite a careless person, in case i forget, i always set direct debit for payments . When i stopped receiving any catalogues or statements, i shopped elsewhere even left some credit in my Littlewoods account for a long time. Last christmas i shopped again from Littlewoods, with direct debit setting and credit left, i did not even think about the payment issue. On 2nd March 2011, I received a phone call from Littlewoods informed me that i had arrears totally 50 pounds, i was
  17. Hi, I would like to reclaim PPI and payment penalties on debts I am still paying off from 1999. The debts were transferred to collection agencies. My question is how do I go about reclaiming my PPI? Do I write to the original lender or the debt collection agencies? Is it possible some of these debts are unenforcible and if so how would I go about doing all 3 ie PPI, unfair charges and unenforceable agreements? Sorry for all the questions but new to this and really confused! Thanks
  18. I have just attempted to start the process of small claim court action - and where you inpit the address, as SL's address is in Scotland it wont let me continue... Can anyone advise me on what to do? STANDARD LIFE WAS BOUGHT BY BARCLAYS recently - should i be suing barclays instead? Also, if anyone else has issues with SL id love to hear - i have many letters ive sent that might help you! Xenia
  19. So... Last July (2009) I began having visits from a Rossendales Bailiff over a Magistrates Liability Order/Distress warrant for unpaid council tax. I immediately called them and asked what the balance I owed was. The reply was a disheartening £875.91. I stated that I was out of work and could afford to pay £50 a month from my jobseekers allowance, but was told this wouldn't fly, they said I had two accounts outstanding(??), the first charge was £473.11 and the second was £402.80. I was told that if I paid the £473.11 by the end of the month they would accept installments on the lower amount.
  20. Hi All, I recently moved house and my previous landlord is attempting to take most of my deposit. There were a two issues brought up during my tenancy that I admit are my fault and will owe compensation towards: 1) The bath room tiles did develop some stubborn mould in places. 2) The kitchen table at the premises (the only piece of furniture not owned by myself) has been damaged on its legs by my cat’s claws. But after an independent inventory inspection on the day I left the inspector told me there was nothing much to worry about, the table had existing chips and damage t
  21. I'm at a bit of a loss with how to proceed with this letter that I received today from Marstons. The history behind it is that I had a Magistrates Court fine for a car without tax that wasn't even my car ! (someone else registered it in my name and forged my signature). I accepted the fine for £448.34, and set up a standing order from my account to pay monthly amounts of £50. The payments finished April this year, and I never heard anything about it until this letter today, that claimed the amount outstanding is £323.34 !! So I phoned up Marstons, and explained that the court fi
  22. Hi. I really don't know much about the differences between all these different agreements, but basically I lived in a house where the landlord, moved away, his tenant (and friend) remained in the house and I moved in. We had a license agreement between the three of us. They then turned quite nasty after I said I wanted to leave (after 6 months) being very horrible indeed (details of which I won't go in to!). I moved out over a month ago, I didn't want them to have my new address here so gave them my parents (the letting agency have been helping me, although they have no contractual obligation,
  23. Hello, iv just currently finished my 12 month contract with my landlord along with 4 other university students. Three of them are continuing to live there for another 12 months and myself and one other are leaving. I contacted my landlord regarding the deposit which was £2475 (£495 each) and he told me that we were in arrears amounting to £500 for about 6 weeks and that he is charging £390 out of each our deposits (£13 per tenant per week of the late payment so thats £65 a week) I thought this was abit excessive and unfair considering i have paid all my rent on time. when i challenged hi
  24. On Monday 6th Sept 2010, 7.10 pm I parked on a single yellow line in Charlotte Road round the corner from The Tram Shed Theatre, Shoreditch. I went back at 10,30 and my car was gone. Cut a long story short it had been towed away to Hackney pound. £260 release fee. Yes two hundred and sixty pounds! Unbelievable. And so inconsiderate and uncharitable.Pouring with rain, no tubes ( on strike) and I had to go back to Edmonton to collect my photo licence then go all the way back to Hackney again. I eventually got home at 3.00am. Digraceful on all accounts. Excessive release fee, unclear signs and no
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