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  1. Hello I am deaf and me and my wife took a loan out of £16,000 secured loan through igroup Ltd via loans.co.uk. We believe we have been misold with PPI. I wish to make a PPI complaint so can you please point me to the right direction to who I should make a PPI complaint to? The loan was taken out sometime between 2001-2003, not too sure and we have lost the original agreement, unfortunately. Please help? Many thanks Angus
  2. I placed an order in early December 2018 for a surround-sound speaker system, along with HDMI leads. The items mostly turned up on time, but the HDMI leads were "awaiting stock from the manufacturer". I have since had a to-&-fro via email with the online supplier (a well-established UK company, who also has several physical stores in the UK). I have now been told via Phone that the leads have been cancelled/recalled by the manufacturer due to a quality issue, & cannot be supplied. This leaves me out-of-pocket by just under £200.00. The phone-discussion I've had with the online re
  3. I got letter from solicitors, on behalf of Robinsons Way acting as agents for HPH (ex Barclaycard) on a debt they say originates from a legal agreement from 2004. This I believe relates to an old Egg debt, but BCard bought my Egg debt in 2011/12. I was paying Egg card small amount monthly, Egg stopped taking payments (not me defaulting) when BCard bought debt. Bcard wrote to me said I needed to change SO to their details and quote my Bcard as a reference!!! I didnt have BCard, it was an Egg card. I wrote and told them, they didnt reply, I didnt resume paym
  4. Hi folks and thanks for taking an interest. I have a consumer issue which I would like some opinions on please? Please forgive me if this is in the wrong place. On 18/07 I selected and booked accommodation for two nights via the Booking.com website for a place called Juras Mols in Bigauņciems Latvia. I was hoping for a few days away from consumer related hassle, ha ha, must have broken a mirror recently. The website clearly says on the accommodation page: 2nd Paragraph: “Guests can enjoy a sauna and a heated indoor pool. ….” 4th Paragraph: “Free Wi-Fi and free private parkin
  5. Hi All, Need some help with how to proceed with my issues, story below; We have had a boiler installed via Eon earlier this year and about two weeks after having the boiler installed we have noticed an issue when using the shower mainly, I contacted the installers Rothwell Plumbing Services Ltd and they took a while to get back in contact but at the time it would only do it maybe once a week so I didn't chase it too much. What will happen is the water will all of a sudden go ice cold for about 60-90 seconds and then heat back up, there is no pressure drop whil
  6. Hello people, Its been a long time since I've had to do this so I'm looking for guidance. My Partner has received a County Court Summons dated 22 March2018 for a Lloyds credit card. The card was taken out in 2000 and the last payment made was in 2014 - according to the particulars the agreement was assigned to Lowells in March2015. I am presuming there will have been letters from them but my partner WILL have ignored them, which is why I am guessing they have gone down this route - hoping this will be ignored and then gain judgement by default. The total claim is £2126.77
  7. Hi, I opened a credit card account with vanquis in September 2005 and stopped paying them around early 2008 as they were hammering me with charges and i'd pay them what they asked for and the next month there'd be another charge. Obviously they must have defaulted the account and sold it on to lowell. I've only recently been checking my credit file and noticed that the default date for the account is september 2013. The cynic In me feels that lowell.s may have done a bit of sleight of hand with the default date as I doubt vanquis would have waited over 5 years to put the account
  8. Hi - I got advised to log my story on this site by MBaxter who I often work with in the states. He cant sing your praises highly enough. 1. I have an outstanding debt from a Lloyds C/C for just over 6k. I received a letter before action sent to a relatives house who I have registered for my mail. I do come back home every 3 months for about 10 days at a time and I am not sure whether I will stay here or not. I own no property or assetts in the UK, so they can't touch me there but I don't know whether I will return to the UK as the industry we work in is changing fast and ther
  9. I wanted to keep this as subtle as possible so I won't put any terms in here that will trigger any alarm bells. Not sure how to go about this but here it goes! September 2016 I begin working (sorry, I mean, self-employed 'sub-contracting') as a courier for a firm who provided its services to a Fortune 500 company, 12th on the 2017 list to be precise, you know, the one recently famous for its dealings with shoddy courier companies? ....Now your getting the picture After a few months we heard said F500 company was taking "tips" from customers by default via the
  10. Hi, I cancelled a web hosting service a couple of years ago, and it wasn't unreasonable to expect billing ti also be cancelled. The service was paid via PayPal Subscriptions, I didn't realise I had to cancel this myself and small payments (5 a month) have been continuing without me realising until recently. When I spotted it, I contacted the company and cancelled the PayPal subscriptions, however, I'm having some difficulty getting the money back from them. They advise that because paypal charges them transaction fees, they will refund me but first want to deduct these fees.
  11. Purchased a new phone (online) on an O2 pay monthly contract via mobiles.co.uk. My current provider beat this deal at last minute hence me wanting to cancel the O2 contract and return the handset. I am within 14-days of receipt of handset but have used the SIM/handset (no calls - just testing coverage). mobiles.co.uk's return/cancellation policy (here) states use of SIM/handset signifies acceptance of contract. It also mentions that coverage issues should be discussed with them/the provider before a cancellation can be approved. Either way, the handset will be returned and
  12. Hi all, I have a long winded situation. I have council tax debt that has gone up to £5,000. This has been going on from more than 8 years from a different house I lived at before moving in to my own house. The council has passed all dealing and account to solicitors who I have had a few email communication with confirming I will be making a £100 monthly payment towards the debt as well as paying £1200 of council tax on my current property yearly. The house is worth £285k today. Three different Charging Orders have been applied to the house for council tax debt as I hav
  13. Hi guys, been dealing with Capquest via Shoosmith. Sent CCA requests to Capquest via Shoosmiths as you can see. Even though they said no further legal action would be taken I went to court to day regardless after sitting like an edjit for several hours I went an spoke to a clerk. Turns out Shoosmith changed the hearing dates on the 20th January to 29th April and I've never been informed! At the current time I have yet to receive any documentation in regards to the CCA request yet my request has been acknowledged. Why has Capquest added £186 onto this account since la
  14. Hi everyone, I hope I have the correct forum I need help with a debt relating to management charges on two apartments. On the 24 February 2014 Northampton County Court served us with papers in respect of outstanding service charges. A1111111 name of apartment one in the amount of £3752.01 A2222222 name of apartment two in the amount of £3812.03 We challenged the figures sought by the managing agents and their solicitors, advising the Court that we had never received (and still haven't) statements of accounts. We agreed we owed service charges but believed the figur
  15. Hi All. I wonder if anyone has encountered a similar situation. I booked some tickets for flights with Arik airlines on the 9th Feb. Arik have since suspended all flights from the UK since they are in financial trouble. After contacting travel trolley numerous times, I have been told that i cannot get a refund until they hear back from Arik airlines. So far, all their queries to Arik have gone unattended (so they say). I booked these tickets with a visa debit card. Where do i stand in terms of a refund? The thing about this all is that i need t
  16. How can my Mother cancel a 12 month contract when it comes to an end without telephoning? Tenmencount
  17. Hi, I paid for a night in a hotel that I booked via hotels.com. The price shown by hotels.com and the paper invoice that I got from the hotel was correct - however I have subsequently checked by card statement and see that a 2% surcharge was applied to the booking. Having checked the hotel listing, and the ts&cs I can see no detail of a 2% credit card surcharge anywhere and have printed out the website details as a permanent record. Where do I stand on this legally? I was under the impression card charges must be clearly stated? Thanks Abe
  18. I would welcome some advice on dealing with a Claimform I have received through the post, which was issued on 1 Feb 2017. I intend to defend the claim but need advice on what I need to send back in the first instance and going forward how to prepare the defence. The debt is with Co-operative Energy for Gas/Electricity supply and goes back to 2015. We set up an account in Dec 2014/Jan 2015 and initially had no problems. We set up the direct debit for payments and assumed everything was ok. However, in September 2015 we received correspondence claiming the account was
  19. Hi, I hope someone can help me with a unique query. I need to get in touch with a particular surgeon that operated on another patient who was admitted to the same ward as me - this is for a very rare and specialist medical issue that I also developed. Unfortunately, I cannot remember the surgeon's name as this was a few years ago, but i should be able to identify the name of the surgeon from a list of names if I received a list of all surgeons operating at that hospital during the time when I was admitted there. Is this something I could ask using the Freedom Of Information A
  20. Hi, just a little quibble about the Form 4 I have received from my landlord. LL has filled in the form but has put that the first increase after 11th February 2003 was January 1st last year, but the rent has increased every year since i moved in to the property at the end of December 2004. I have to send a copy of the form to HB... is it important to have the correct dates? Hope someone can advise. I don't want to get in trouble with HB for submitting incorrect information to Council if it's important - they will be aware of previous (Jan 2016) rise as I was claiming HB at that time.
  21. Hi Hope someone can help with my query. Some weeks back I received 2 notices of enforcement via post re Council tax liabilities sent from a bailiff. However, I disagreed with the figures as they did not correspond with an email I had been sent by the Council earlier in the year. I decided to respond by emailing the council 2 weeks ago to dispute both bills saying that I was disputing the sums owed and that I wanted them to take back the debts as I would not deal with the bailiff. I wanted to deal with the Council directly. Today, via email, I received notification
  22. I set up a 24 month contract with EE via Carphone Warehouse Shop on (Sunday) 25th July. Coverage was checked and it seemed to be ok. However, when I got home I had no coverage whatsoever and had none for the rest of the week. I phoned Carphone Warehouse who told me that I would have to go into the shop and cancel with them. I work during the week so could only go in on the following Sunday (3rd July). Carphone Warehouse had no problems with me cancelling, but when they tried to get my PAC code from EE which I had to authorise the EE operator told me t
  23. Hi, My OH has been informed that for 11 months now she has been overpaid via her work, coming to about £1200. She has been working extra days to pay back the overpayment but was wondering what happens to the extra Tax that she paid on this amount, and if she can claim it back how she goes about doing this? Thanks JJ
  24. 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
  25. Veterans World Magazine promotes awareness of help, advice and support available to the veterans community. From issue 36 (latest issue) the magazine is now only available digitally via the internet as they are no longer producing a paper version. Read More Here: https://www.gov.uk/government/publications/veterans-world
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