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  1. Today I received a large pile of documents from Prestige Finance, with whom I have a second mortgage. I have identified 10 unlawful charges of £35 each. But this account was previously held by lenders GE Money. Either they went into administration and "became" Prestige Finance, or GE Money simply sold my account to Prestige Finance. I have identified seven unlawful "administration charges" of £40 each while the account was with GE Money, before I found my account being handled by Prestige Finance. So my question is in two parts. 1. Am I entitled to recover the £280
  2. Hi there CAG Community! So relieved there is hope out there - CAG!! In a nutshell, I have lived in Abu Dhabi, UAE, for many, many years.. I had a credit card and a loan, of those in the know, is a must if you are in need of renting any property as x2 payments up-front are needed..Anyways, long story short, I have always paid my loans/CC's on time, every time. In Dec 2017, I was unfairly dismissed, (part of the emiritization restructuring) and was given 3-hours notice to leave. Contravened Labor Law, thus was unlawful (which didn't make a difference) desperately tried to fig
  3. I would like some advice on behalf of a relative please. She has been diagnosed with early onset Alzheimers / dementia. She has been co-operating fully with her employer (a large retailer), for example going to an occupational health appointment. The assessing "doctor" didn't have her notes beforehand, was really abrupt, derogatory and not listening to half of her answers / information. His report said she is a danger to herself and others, which we all strongly disagree with. (It is possibly due to her disclosing that she must be reassessed for her driving and may have her license t
  4. Hello all, An acquaintance of mine got a parking ticket some time ago. The ticket and all correspondence went to her Grandmother’s address as she had previously lived there before being rehoused by the Council. The ticket remained unpaid and was escalated and the amounts increased. She lodged an appeal and a rejection dated 1st March was send to her stating that her appeal had been received out of time. The letter further stated that she would have 14 days to further appeal if she was not satisfied with the outcome. The letter arrived either Saturday 3rd or Monday 5th an
  5. In May 2015, I filed a Consumer Credit Act ("CCA") claim with my then bank ("CCC") for faulty goods that I had purchased for which they were jointly and severally liable. They ignored that claim but after I obtained a successful Ombudsman's decision they finally agreed to process it. In June 2017, while the CCA claim remained in progress, the bank sold the outstanding credit card balance (of exactly the sum of the faulty goods) to a Debt Collection Agency ("DCA"). The DCA immediately filed a default on my credit file against my old address for the alleged debt. In Sept
  6. Hi all firstly apologies if this is in the wrong section just wasnt sure where to put it. Long story short, i lived in a property a few years ago and moved out due to the poor state of the property (environmental health were investigating) i informed United Utilities about moving out and the reasons and gave them a new address. I received bills for a full year which i questioned as due to the problems we only had the keys for 3 months but rarely stayed there due to the issues in the property. This was ongoing for a while as i could not get an answer of what i owed becau
  7. Good news. Swift have been ordered to pay back all charges plus interest in a county court judgment. The judge ruled that their standard terms between 2002 to 2009 were unfair. Regards
  8. Hi all, I would really appreciate some advice. My business partner and I run a small business, and cashflow is very delicate. Some time ago we got in some money trouble and an invoice was sold to a debt recovery company. We managed to pay it off (or so we thought), but unfortunately my business partner is a bit scatternbrained with numbers, and paid the incorrect amount. The total outstanding debt was £5,723.96. My business partner sent them a transfer of £5,700, accidentally leaving off the £23.96. My business partner had some fees he wanted to dispute -
  9. Hi everyone, This is not for me. Someone has had money illegally deducted from his wages (he gets far more than minimum wage) He intends taking his employer to the Tribunal. I believe he would be entitled to the deduction if he wins and Litigant in Person’s research cost. My question is, will he be entitled to compensation eg injury to feelings? Thanks and regards
  10. Summary: If you have had a similar experience with Anglian Home Improvements please contact me directly. I am taking them to court and want to get as many witness statements as possible. Detail: Anglain canvassed our area offering free no obligation quotes 50% off. We got a quote for doing our house. We were conned into signing a purchase order which they now want us to pay. We were specifically told the following lies by their representative: We handed over £50 to “guarantee the price of the quote”. This was actually a deposit. We foolishly signed a purc
  11. Good afternoon Everyone, Hopefully someone could help/advise me with a problem I am having with my former employer. I recently resigned from a part-time job working for a well-known Housing Association as they weren't paying me in full for the hours I worked (among other dubious issues). My job started 20th January 2016 and I worked exactly half of my monthly contracted hours between my start date and 31st January 2016 - over four days/shifts. I therefore expected to be paid precisely half my contracted salary (salaried, not paid hourly, unless claiming overtime, which was calcul
  12. Hi, I received a PCN the other day for failing to pay the London Congestion Charge in time (within 24 hours). I decided to look into the legality of the whole scheme and have come to the conclusion (1) that the PCN issued to me is void (of no legal effect) and (2) that elements of the scheme are unlawful and, in fact, void. This means that many, if not all, congestion charge fines will have to be refunded. My logic is as follows, but I will be grateful for comments (I might have got it wrong): 1. With regard to the PCN itself, the Road User Charging (
  13. In 2015 there was a important and high profile Judicial Review regarding the serious matter of summons costs in relation to a Liability Order for council tax arrears. The case was that of the Reverend Paul Nicholson v Tottenham Magistrates and the London Borough of Haringey. In short, the court rules that Tottenham Magistrate's should not have allowed London Borough of Haringey to claim summons costs of £125 for each Liability Order given that the court did not have sufficient information before them to reach a proper judicial determination as to whether or not the costs claimed repres
  14. FAO Brigadier or Ell_enn I have received a letter stating that SPML/Acenden is going for eviction due to my not being able to make the proper level of payments on my mortgage and arrears. I spoke with them today and explained that I am going to send them a letter with my proposals. The person I spoke with told me that at the moment they have not got an eviction date yet. I very briefly explained that I was out of work fro January and that since the beginning of April I have managed to make some payments and that I am now on pension credits and am also expecting housing be
  15. A very interesting article from the Local Government Lawyer journal regarding a custodial sentence for 'wilful refusal' or 'culpable neglect' in paying council tax: http://localgovernmentlawyer.co.uk/index.php?option=com_content&view=article&id=23236%3Aimprisonment-for-council-tax-default&catid=56&Itemid=24#_ftnref
  16. Hi Guys, I have had ongoing correspondence with opos regarding a loan I took out with MiniCredit almost 2 years ago. After repeated requests for them to provide me with a completed breakdown of the claimed debt including charges/fees/interests I have finally received the below. They are attempting to claim £1,187.50 on an original loan of £150! Would appreciate any advice on how to respond. I am sure the Debt recovery fee and attempt fees are unenforceable. Here is the requested statement : Loan reference: Date issued: 01/09/2012 Due date: 25/09/2012 Loan principal
  17. Hi I am just about ready to send my N1 form. Have completed POC but I am wondering whether I should include anything from the FOS technical notes: "This will involve the business removing the PPI premiums, any interest that was charged on the premiums and any charges (and interest on those charges) that would not have applied if the PPI had not been added to the account." Any thoughts? suvin
  18. Sorry for the long story, but if I had read this before joining I would have saved myself a ton of time and stress. LA Fitness (Guildford) is blatantly in breach of contract and my partner and I are currently in dispute with them. We recently moved to Guildford and were looking for a gym within a quick drive of our home that offered fitness classes. I don't use the floor machines or weights, just take classes.. I've been a member of at least 15 gyms in my life and usually attend classes 4-6 days/week. I know what I want and know exactly what to ask. I found that there were few op
  19. I am in the early stages of reclaiming fees for arrears,management fees etc so on this front would appreciate a helping hand as this progresses but the other question I ask as I have seen reference to it in other posts is that we took out a self cert mortgage with SPML (now managed through Acenden) in 2006 where the broker who organised got paid a total of £10k for his trouble !!! What can I do about this too with regards to mis selling? From early enquiries they are no longer trading Thanks
  20. Hi, I am new on this site. My problem is with CRS debit collection services. I cancelled my membership in golds gym on the last month of the contract. But they passed the £40 debit to CRS and they added £123 for recovery costs. And same thing for my wife. So it's £123 each of us. Could you give me any advice please? Do they have a right to do things like that? We don't mind to pay £40 each to the gym, but extra charges of £123 each is a bit too much. We would appreciate any advice.
  21. Hi As stated in the header- I had a CCJ taken out against me while owed PPI on that account. The bank contacted me to say I was owed PPI a month after the PPI claim was invited so it was almost certainly in their system while the CCJ was taken out by their solicitors. Would this affect the legality/Validity of the CCJ. Thanks
  22. Hi, I would be grateful if someone can give me a better insight into this matter. I will try to simplify it.although its a little complex: I have a Full merits hearing set for next Thursday. The respondent's team tried to strike out both my claims: Unfair Dismissal- due to lack of continuous service I only received a contract in May 2012, although I have written evidence that I was to receive a 'salary' from April 1st..and my April pay is not a round figure..suggesting deductions were made. I had prior to that, been working full time, self-employed. Unlawful Deduction
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