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About Me


  1. Hi all, I would like some advice for a secured loan that was taken out by my ex-husband before coincidentally divorcing me a few months later. The loan was taken out in October 2007 and now over 10 years later i have been paying and the balance has only reduced by £200! I am extremely struggling with this and need to get this debt resolved as soon as possible can anyone please offer me some advice and guidance i have attached the enclosed paperwork. Information: My ex-husband never made a payment on the loan and was never on the mortgage or house documents, the house is
  2. Hi there, today I received a claim form addressed from the county court business centre in Northampton, which has been filed by Moriarty Law on behalf of JC International Acquisition for a debt on behalf of Talk Talk Limited. I have seen a similar problem to mine posted on here but I can't seem to follow it, so I need help step by step to get me through this maze!! The particulars of claim state: THE CLAIMANTS CLAIM IS FOR THE BALANCE DUE UNDER AN AGREEMENT WITH TALK TALK LIMITED DATED 13/10/2011 WHICH WAS ASSIGNED TO THE CLAIMANT ON 26/03/2014 AND NOTICE OF WHICH WAS GIVEN TO THE
  3. Name of the Claimant Lowell solicitors Date of issue 06/03/17 date to acknowledge) = 25/03/17 date to submit defence = 9/04/17 What is the claim for 1.Failed to maintain the require payments and default notice was served and no complied with. The agreement was later assigned to claimant on 25/092014 What is the value of the claim £822.27 original debt capital one(£640.99) Is the claim for - credit card When did you enter into the original agreement before or after 2007/ after 2007 05/09/2012 Has the claim been issued by the original credit
  4. I currently work in education and get paid pro-rata, even though I work term-time only. I am looking for similar work closer to home to cut out travelling costs and if I am successful would be due to start in September 2017. In a regular job I would give a month's notice and go straight to a new job in September, because of working in education my last physical day at work would be mid July, I would be paid for at the end of July and I would expect any holiday pay owing etc and a P45 at the end of August. Is this correct, or in the HMRC's eyes do I become unemploye
  5. let's start at the beginning. CMS took over the case in February 2016 , I cooperated with them fully and paid the amount I was told . I informed them that as from April 2016 I was being made redundant I sent proof as requested. Since then I have had nothing but trouble. For a few months I didn't work and relied on my wife's income . Now as I didn't send them this in writing as to how I was supporting myself (I was unaware I needed to). the case defaulted back to my previous income therefore accruing arrears. Between April and October I spoke 5 different cas
  6. When my husband died last year we were in arrears with our Council Tax. I went to the Council and an arrangement was put in place which I've adhered to. Until yesterday, no problem. Yesterday, two letters come through the post from Ross & Roberts addressed to my husband. They were pay up within 7 days or we will take you to Court letters. Being somewhat bemused by these letters, I had a vision of letting them take my husband to Court, me going to Court to "represent" my husband and asking the Judge if the Court could employ the services of a Medium so my
  7. Hi there , yesterday on the 1/07/2016 , i boarded a train from llansamlet to Cardiff , there was no conductor on the train , as I arrived in Cardiff I had to go to the unpaid fair's desk , as I was there about to buy my ticket I had a stupid moment of madness and told the guy at the ticket office that I boarded on Bridgend but he caught me out by saying that there were ticket tolls at Bridgend and I completely froze , I then got taken by a transport investigations officer she gave me a quick interview and asked me questions in regards to what just happened , I told her I was sorry
  8. Hi I'm hoping I am posting this question in the right forum? My cousin who turned 50 in March passed away from a short cancer related illness. She was an only child and her mother, my aunt, is in her 80's. They had a joint savings account which they both contributed money into for more than 10 years and when she passed away the account had approximately £19,000. The estate has gone to probate and when the building society were informed, they sent a cheque direct to my aunt for the full amount. We assumed that as the account was in joint names the money would automatically be hers
  9. Gotten some great help on here with other unrelated problems so hope you guys can help me out with this too or at least point me in the right direction. Long story short I am married with 2 kids aged 6 and 8 with a third due in April. I have been unemployed since November 2012 and do not recieve any form of unemployment benefit. We have as a family been in receipt of housing benefit of about £120 per week which has been extremely helpful in paying our rent (we rent privately in Birmingham at a rate of £625 per month). There was no issue until my wife decided to change her working hou
  10. I am in a huge mess financially and I lost my home last year due to the fact that I couldn't afford the Bedroom Tax - my son had moved out etc. I have moved into my Mum's house where my brother also lives. Several weeks ago I received a Bailiff letter from Bristow & Suitor (for Council Tax at my previous address approx £1000) and I paid him £50 over the phone (he had posted a letter through the door) I then arranged a temporary payment of £10 per week for 8 weeks after which a review would be conducted. I only work a few hours a week - and fail
  11. Hi, I urgently need advice with regard to my Resignation Letter and what it should say. My maternity leave officially ended on 31st March. As the tribunal was set for Tuesday 7th April, I did not want to resign before the hearing. I am happy to say, after 18 months of upset, financial hardship and my poor mother's relentless efforts to get justice for me, I won my case for Pregnancy Discrimination and Victimization outright on Tuesday (7th April) After announcing the verdict, the Judge told me that, now, I must resign immediately and make a further claim for
  12. Hi Everyone, My sister-in-law recently received a phone call from a woman from Cabot (she has a payment plan in place) the woman said that as the last financial update was done last August it was time to do another one. previous to this I had always advised her re' her dealings with these people, but on this occasion she went ahead without talking to me first, during the course of the review my sister-in-law told the woman that her son was paying the council tax and rent, (her son has Aspergers Syndrome, Dyslexia and Dyspraxia and has a statement to that effect)
  13. Hi am new to the forum so hope I have posted in the right place. Am desperately in need of some advice regarding a letter I have been sent. Received a letter from Blake Lapthorn, who say they are working on behalf of Arrow Global Guernsey Limited. Letter states: “We now attach a copy of the Final Charging Order obtained by our client in this matter. Our client is keen to reach an affordable monthly repayment arrangement with you. Please contact us within 14 days of the date of this letter to discuss the various options available to help you repay this debt. To help us und
  14. Hi everyone. Just writing in the hope that I could maybe get some advice. A few years back I had an account with JD WILLIAMS for a catalogue. Made some purchases from it, was making repayments as normal etc. They even sold me some sort of PPI now that I think of it. Thing is, I lost my job, split up with the ex wife and now, fast forward a couple of years ahead I have had lowell chasing me for the debt, which now, thanks to me being stupid and hiding from it has ended up rocketing to a total of over £4000!!! I know for sure that the majority o
  15. Good morning, I really need some guidance and help on a matter that has been going on since March please. I work for a local council authority and back in March this year my manager tried to get me to significantly increase my evening overtime working hours without my consent and also without change to my contract even though this would have meant a substantial change to my working hours. When I realised that she was being underhanded, I said I wanted to speak to someone on the council to ensure what she was asking was correct. Needless to say this did not go down well and after many da
  16. Husband has this afternoon received a letter from HM Courts and Tribunal Service to say Application to file Statutory Declaration out of time was referred to Court Officer and has been refused! We have heard nothing from council and TEC have denied all knowledge. Husband is advised that he has to complete notice N244 for this decision to be reviewed. We put down explanation for why original notice of parking offence was not received (we did not live at that address any more), wording agreed with Jamberson, so do no understand why OOT has been refused, especially as proof of non resi
  17. I have entered an acknowledgement of service within the time frame and I have gone onto MCOL tonight to enter my defence and its states there is a bar and I cannot enter this. It needs to be done today at the latest. I have 2 lines of defence and would like some help please.. a) The debt is statute barred b) I had insurance that I paid monthly and it was never applied to the account when I was ill. The last payment made was July (end of) 2008, I have never acknowledged the sum owed in writing since that date, it defaulted in November 2008, therefore
  18. i was visited today by baillifs who told me they had visited last week and had posted a letter thorugh - i didnt know about this. they said a said person owed them money and they were here to collect the money. i didnt ascertin my idenity so they clamped my car anyway cus i didnt tell them who i was and they kept telling me a lorry was on its way to tow it and i could stop this by paying thousands. they went away eventually with the wheel clamp still left on my car and kept telling me the lorry would be on its way. i rang them and told them my idnetity and told t
  19. I signed on this morning and my advicer gived me a leaflet about payments been sent early but don't understand when my payments will go in my bank and just wondering if anyone know from this: Expected Issue date Payment for Period Ending 15/03/2013 15/03/2013 27/03/2013 29/03/2013 12/04/2013 12/04/2013 I know the top one as I signed on today and it will go in my bank on the 20th (on wednesday) But when will the 27th go in? is it on the 29th it will go in my bank or the 3rd? I should signed on
  20. Hello all, Have a problem that I could do with some urgent advice on. At my last post work programme appointment I didn't see my usual adviser as they were on holiday. The adviser I saw made me an appointment with the national careers service. I have this morning received a garbled message from someone at the service saying my appointment is today at 3pm yet my official letter issued by my adviser says its 11th November at the same time. I have rung the careers service phone number on the letter and the person I spoke to wasn't any help at all, basically I have been told t
  21. Hi All I have joined today for some help on my current situation, I have heard wonderful things about this fourm and any help would be really appreciated. I have a speeding fine that has been unpaid, I stupidly buried my head in the sand and as I simple do not have the means to pay the fine, jut pushed it to one side and prayed it would disappear. Obviously it hasn't I received a letter from Marstone two weeks demanding payment of the £300 fine + £85 fees that were now due, I contacted marstons to advise even with help from friends I would not have the fun
  22. Hi there, I am writing this on behalf of my mum. My mum was claiming ESA (income based) as she has a psychiatric illness which prevents her from working. It is a severe illness which she has had a very long time. She missed 3 assessment appointments (due to be overwhelmed with voices in her head, getting confused etc) and even though she explained why she hadn't attended the assessment, her ESA was stopped. She lodged an appeal, but it has now been 3 and a half months and she has still not heard anything. She receives housing benefit and DLA, but these two benefits do not
  23. Hi Firstly, really sorry as I have posted this elsewhere but I think I may have not posted in the right place. We are desperate for some help and could do with some advice urgently. There are a few points. We had a loan for approx. £150K with Lloyds. This was to buy a business and business premises. The business failed and Lloyds have now appointed an LPA to sell the premises (they did give us 3 months to sell/rent ourselves but we had no interest at all). We had a letter from the LPA on 9th August. It said nothing really, no introduction as to who they were or what their
  24. Hi all.... Without going into all the gory details, I'm in the process of trying to settle a "no win/no fee" personal injury claim (instigated by my insurance company) I've been farmed out to a solicitors who are frankly vile and do business in a way that puts me in mind of a mafia. They've lied to me about certain facts on numerous occasions and are now aggressively perusing my authorization to proceed with the claim. I'm having someone look into it at the moment, as I can smell a very large rat with some of what's been going on and I'm not prepared to sign my name to anything unti
  25. I do hope anyone can help me out with this, I am looking for anyone that has had problems with warmsure/warmfront/carillion plc in particular with grant work or even privately. If anyone has had problems with this company or know of anyone that has please post on this thread I will be taking them to court shortly against these and need to gather as much supporting evidence as possible. Thank You
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