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Found 22 results

  1. I got a pre action protocol letter with a form, from Restons for a next account which has been passed to Debt Managers (Services). I ticked box I and requested a copy of the contract, statement of account, details of any administrative charges, copy of notice of assignment and a copy of the default notice. I received a reply from them providing with a few details; date account was opened, address used (which is incorrect btw), last order date, last items ordered, last payment date and amount. The letter says I have not provided any information as to why I don't know if I owe the debt
  2. Hi guys im hoping for some advice on what to do with this debt, i had no idea they would take me to court for it and am panicking a bit now, i have looked around the site but cant really find specific advice, so apologies if i havent looked hard enough and i appreciate any help you can give, cheers neil. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. on 31/03/2015 the respondant entered a mail order agreement with J D WILLIAMS AND COMPANY L
  3. Revived a notice saying that my account is closed and that legal action would follow. Dose this mean its in default or is it just closed. If its closed what legs do they ahve to stand on?
  4. Hello all, I stumbled across this useful site and now here I am asking for some advice if possible. Our daughter was at a nursery for just over two years, it was okay but we never really loved it. A new nursery opened which we really liked the look of and after a tour decided we would move our daughter. My wife emailed the current nursery manager on the 29th Feb asking for a copy of the terns and conditions, specifically with regards to giving notice. The manager emailed back a very short paragraph stating: The notice period is 2 full months from the 1st of the month.’ Sh
  5. Hello, Summary: Recently found out I have a CCJ against me, which was made on the 07 April 2010 after signing up for a popular credit report/expert website and have done some research before deciding what action to take. What I know: The CCJ on 07/04/2010 will be removed from all registries after 6 years, which is only a few months away at this point The amount is for £194 If I pay the CCJ it will be classed as "Satisfied" If I do not pay the CCJ, it may come back to bite me in the proverbial ass in the future What I need to know: If I pay t
  6. Hi All I applied to a lender this morning for a loan. I specifically clicked the "Do not pass my details to 3rd parties if unsuccessful". Well I click submit and they declined me which is fine BUT... All day, I have been receiving SMS and Emails etc as well as a few phone calls, about Loans, Credit Cards Blah Blah Blah... They all started the second (And I mean the second) that I was declined. I have complained to the lender (As per usual I went to the top, Its not a big lender) and specifically stated that I didnt want my details passed on but they still did it. Wha
  7. Hi, sorry for the short notice. I received a cc claim form dated 16/4 for a credit card debt that has been passed to Cabot (passed on to Optima Legal) I wrote to Optima Legal requesting a CCA and pointing out that I have been requesting one since 2010 and so far one has not been forthcoming. I also applied for more time with the court. I received a letter from Optima Legal stating that they have requested the documents and will provide them in due course (dated 28/4/15) They also state 'We shall hold the account until the documents have been sent to you and shal
  8. Hi, I passed my driving test last year and went down the route of the examiner taking my provisional license to send to the DVLA in order to obtain the full one. According to everything i read and was informed about, the full license would arrive inside three weeks. one week in and in my excitement, i bought a car and via a comparison site arranged insurance. I had explained i did not at that time have the full license to send them, just passed etc and was told this would be OK as it should arrive before they would cancel anything, and to mail them the license whe
  9. Hi friends, I tried to search but most of the template letters are designed towards claiming single payment PPI, especially, for fresh cases. Mine on the other hand were monthly payments and they were stopped by Barclays in 2005. Why? Because, I claimed back some of the money Barclays had been charging me in the name of their Additions fee that I had never opted for. This probably prompted them to also stop my PPI immediately. And yes, I did not know what PPI was all about at that time. Now, I wish to take up claiming back the PPI Bacrlays charged me over a p
  10. Hi, I used to have a credit card at the Halifax can't remember whether it was cleared or whether it's still open with an outstanding balance. I have a load of statements here with around £600 in charges on it, not including interest. The account is most definitely statute barred now and I have no letters or details from them as I moved and they never chased so I really can't remember. I do remember them taking money out of my current account there for a year without my knowledge to make payments against the credit card. (I never opened my mail) silly me.
  11. I apologise if this is the wrong part of the forum.. just unsure where to post this? Short story: My wife has been self-employed since 2007/8 whilst I was still on JSA. We declared everything to the DWP as I was the primary claiment. I would have to declare what was earned and our benefit was adjusted accordingly. In 2009 I decided to join my Wife fully and signed off completely. We were informed by our local council that we could still be eligible for Housing Benefit under certain circumstances. We booked an interview and produced all of our records, accounts and tax book etc.
  12. Hi My wife has a credit card debt approx £800 recently she had a letter from some solicitor saying they are starting court proceedings if she does not contact them to make an offer to pay in the letter they state that they will put an order on to stop selling the house till the debt is cleared. As the house is in joint names it seems i am being blamed as well what I would like to know is can they do this ? thanks
  13. Hi all....i work as a support worker...Mon - Fri. For the past 9 months i had a fixed term contract, 37.5 hours. This ended last week and i was given an 'as and when required' contract....with an assurance of no change to my hours, remaining 37.5 per week. Under my old contract i was entitled to 28 days paid a/l. Our centre closes on dates selected at start of the year...a mixture of public holidays and annual leave 34 days in total. So we close at xmas ,easter 3weeks in summer etc. Under my new contract what im i entitled to....so for example the week we are off at easter will i not get paid
  14. Hi all, Really do hope me posting here I am able to seek some advice. I'm facing the likely prospect of handing in my notice so that I can continue using the reference for future jobs. Company has complied with ACAS regulations and has now set a side a final disciplinary date... The allegations against me are, lying to a member of staff regarding my whereabouts and asking for another member of staff to cover for me. I have admitted the allegations but I do believe it was done mitigating circumstances. The charge is breach of confidence and trust. Here is my story: My
  15. I have been involved in a couple of motoring incidents where I have not been at fault and one where I have. I also have one speeding ticket. I am unsure of the dates and details of these incidents and would like to know if there is a way of finding out the official details that the insurance companies use to see if I have declared everything. As I renew my motor insurance I am unsure of specific dates etc and am worried that if I was ever to claim then I would find that my cover in invalid. In a nut shell… where can I find out all my motor incident and conviction details. H
  16. Hi all, I was wondering if anyone could offer some advice. A few weeks back I got an NIP in the post asking me to name the driver for a speeding offense, (79 in a 60 zone), which is fair enough. My car could have been speeding. However, the problem is I don't know who was driving! It could have been me or my wife. We're named on each others insurance and often share the driving. I'll drive there, she'll drive back or vice versa. The thing is, we don't know the direction of travel when the offense took place and given we'd been on the road where we were caught several times
  17. Hi, MBNA has upheld my complaint but said i only paid PPI for 5 months then i cancelled it. I don't ever remember cancelling because i never knew i'd taken it out until recently. i sent off a SAR got lots of paperwork back but instead of getting copies of my statements i received a spreadsheet outlining transactions made. Also i never received the transcript of the apparent call i made them to cancel. should i be suspicious that they sent me a spreadsheet because i know how easily they can be manipulated to show me only what they want me to see? Or shou
  18. A friend has received (no really is a friend ) an indication from Financial Ins Company that they will pay his claim for PPI but the amount is incorrect he has all his statements and they have asked him to supply copies and they will recalculate as it is from before he will only get simple interest per annum. How do we calculate this ? Is it from the first year or from when the amount is closed ? Thank you
  19. hi was just wondering as to how i should go about this my wifes mother has been receiving a lot of phone calls over the last few weeks from a company opos (i think) - they are asking for me she has not given out any info about me as she lets the call go to her answerphone.. just wondering what to do as i have no idea what the debt is for done a credit report a year ago and there was nothing much on there.. please any help would be great thanks all
  20. I received my Dell laptop 2 weeks ago yesterday - an Inspiron 15R SE 7520. After a few days, the laptop would occasionally shut itself off but as it was easily re-started I, foolishly, chose to ignore it hoping it was teething problems. Yesterday it shut down, refused to restart, beeped, did all sorts of things. I have tried system restore when prompted but it now shuts down before it can complete a repair. It is unusable and I've read that you should return faulty machines like this as if you accept a repair which fails to resolve the problem, it can lead to never-ending problems as they will
  21. Hi First time I have posted on this site so sure if this is the right place to post... but need some advice. I've just found out that my mother has been paying x2 DCA for approx 4 years. The debts are both are about 8-10 years old but she is still paying approx £40 a month to them. One via cheque every month and one by direct debit. After speaking to her, she is unsure if one of the debts belong to her. I was living aboard at the time and she just got scared by the letters and phonecalls she was receiving. I'd like to help her find out exactly what she owes and put a stop to it all
  22. my partner is being tuped from one firm to another but the new firm want him to fill out a job application form and want to do a credit check on him but he refuses the credit check as he dose not work with money, and has told them no im worried that they may sack him for this, i know that under tupe law his contract and hours stay the same but once he signed to the new firm can they dismiss him for this? he works as a security officer and the site he on now has been took over by a new security firm and has been told that he will tupe over to new firm and everything remains the same
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