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Found 18 results

  1. Hello everyone. Im new here, so I hope I am in the right place. I really dont know where to begin. I was paying my credit card off at a reduced rate until around 3 years ago when my debt was sold to Cabot who more than doubled my payments. It was too much for me to afford with no job, recently divorced and a young family to support. So I defaulted. Other than one letter from Cabot asking me for full payment of my debt, I have not received any further payment requests nor notifications of home visits during this time. I have lived at the same address for 6 years. I am in Northe
  2. Location : Sandy Park Stadium, Exeter The penalty notice states that it was parked in a manner whereby the driver became liable for a parking charge. The notice states date was 02/04/2018 entry time 17:59 and exit time 19:31 total duration 01:32. Charge £80. The access road is shared to gym and Exeter chiefs Sandy Park stadium. It shows car leaving (doesn’t appear to be in car park itself) and shows car where I pulled up to pick him up (which arguably is adjacent to gym and in front of stadium but not in any parking bays itself) My husband entered the site at 17:59 to
  3. Hi everybodyl, new on here and have a big problem with Brighthouse. I currently have 5 things with them up until recently could afford the weekly payment. 8 months ago found out wasnt really well and currently cannot work Going back to Brighthouse situation, I have explained this in a letter to head office and the store and asked if I could pay what I can. My original payment was 58 per week (so stupid of me to get to that) and I offer 25. I also asked them to send me a detailed breakdown of what I have left to pay on each product. I also said I wanted c
  4. I am a customer of Brighthouse where I was paying £46 per week which were reduced down to £30 per week because of loss of tax credits/child benefit. I ran into problems paying one week due to a demand for my council tax before I ended up in court so I couldn't pay Brighthouse the full £30 so paid half to them. since then I've paid my £30 each week but still owe them that £15. I'd find it really difficult to pay that 15 on top of the £30 so due to me only getting £110 per week now which is to keep me, my partner and daughter. I suggested if they could please take even 50p from yellow mone
  5. Hello everyone, A couple of weeks ago I got a letter from Credit Solutions regarding a debt I have with Paypal and they gave me the usual B.S about arranging door step visits, County Court etc and I sent them this email ; Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks and via letter and one door stop agent and these have been duly logged by time and date. Furthermore, should it be your intention to arrange another “doorstep call”, please be advised that under OFT rul
  6. I got divorced around 5 years ago and agreed to take over the house we both owned and move back in as it was too small for the ex wife and the children to live in. Around 4 years ago I took full custody of our 3 children but the house was only 2 bedrooms so I had to make some small alterations to split a bedroom to increase capacity. During this process I missed a mortgage payment as I was financially stretched with taking the children on full time unexpectedly. At the same time I had put in a PPI claim for £2500 with NRAM because of miss sold sickness insurance.
  7. Hi, Hope someone can help. I have recently moved out of rented accommodation have received a phone call tonight from my previous landlords to advise bailiffs on behalf of Rossendales have attended the property. The Landlord advised I was no longer living there, my c/tax for that property has been paid in full however it appears this balance they are chasing is for monies from 2007 for around £800 and they mentioned to the landlord they also have a liability order from 2008 for this. My major concern is currently I am working away in Birmingham and living
  8. Hi. I'm seeking some advice for my grandson. I don't have all the details yet so I realise it will be hard to give a lot of advice at this stage until I learn more. What my grandson (who has just left my house in tears) says is that he had a £40 car parking charge, or fine. In short he didn't pay the fine. Says he forgot, but there's probably more to it than that. This has now escalated to bailiffs visiting his home demanding £600. I find this shocking, from a £40 fine! Anyway, I guess that is what happens when we do silly things and ignore fines. I don't know whether to feel s
  9. Hi Guys Any advice / help would be very much appreciated. A few weeks ago i returned home to find a hand posted brown envelope from a field representative from Scotcall asking me to phone him urgently on a mobile number. I have also had numerous phonecalls from Scotcall to my work mobile number which are becoming more frequent. As i didn't know what the debt was for or who for i ignored them. Tonight i was at work but my wife returned home from the weekly shop to be approached by a man from Scotcall asking for me, she explained that i wasn't in and didn't know wh
  10. My dog has been taking tablets for 5 years now and the vet still insists on me taking her to the surgery every 3 months for a checkup. Surely if the tablets were going to cause any problems this would have shown up ages ago. Can the vet refuse to give me another 3 months supply if we do not attend the surgery? (My dog is now getting old, she is 17, and cannot walk that far, although she is generally well and enjoys her food, potters around the garden etc. I have no transport to take her so, after 5 years, is it still essential that I have to find a way to get her do
  11. Going forward

    Home visits

    My sister is recovering from being hospitalised for 4 weeks in the cardiac unit. She cannot walk very far and has to use a zimmer frame to get to the bathroom. I have applied for PIP on her behalf and have filled out the ATOS form. She cannot travel on public transport so do ATOS do home visits. What normally happens if you cannot get to them as you cannot afford cab fare?
  12. I am posting this question for a friend of mine. Her son opened a hand delivered letter this morning - it was a WPO on his car against a county court order issued by Bristol County Court. He phoned the number and spoke to the bailiff and was told that he would need to prove that he is not the person who owes the debt. It turns out that the bailiff visited No 2 Acacia Avenue and not number 5 (road name changed!)!!!! The bailiff later phoned to say there had been an admin error. There was no apology what so ever. I have drafted (after phoning the court) a letter of complaint for
  13. In 2002 I took out a loan with Lombard direct. This was over a period of 5 years and included PPI, which I am now trying to claim back as mis-sold. However I defaulted on repayments when I lost my job and eventually this was passed to a collection agency. I have been paying Intrum Justitia every month for several years and in February this year I had a letter offering a settlement figure, which was far too high and I couldn't afford it. I then decided to ask for a copy of my credit agreement and sent the letter as advised on this forum. this was on 1st March. They replied on 11th March
  14. I got a parking ticket. Didn't get an NTO and awaited the Order for Recovery before completing the witness statement and sending the form off, in the SAME envelope as another witness statement for my sister (separate pcn). My sister received her cancelled Order for recovery back cancelled, but I received mine back revoked due to it being out of time?? So whilst im fighting this I have Newlyns on my case. They have charged me the following: March 29th 2013 £11.20 Letter HPI Check £20 5th April 11th April 2PM First Visit £57.00 April 17th 16:02 Vis
  15. Hi, Thank you for this forum. I've read some interesting stuff here but I haven't managed to find quite what I'm after, so here is my situation and a couple of questions. I moved into a property to rent with a couple of my friends, the landlord wants to sell this property and is asking that we let him or the estate agent show some potential buyers around. I'm ok with this in principle and will move out when the tenancy expires (this isn't a situation where he has surprised us with this and wants us out early). There is a term in our contract that he must give us 24 hours notice to sh
  16. Hi Would really like your opinion on what to do about this please. I have sent the 'doorstep collection' letter to both Wescot and Iqor (re old Lloyds debt) who have ignored and have continued sending their threats. Apparently I have just had a visit (while I was out) from someone claiming he was from "Lloyds TSB" so I am thinking it is one of above DCA's. How can I find out who it is exactly and what to do about it if I have sent the letter (recorded delivery) yet they still come to my door? Many thanks, Pru
  17. Ok guys firstly i am a new Cagger and what a relief to find this site as it has empowered me somewhat into, at least, not feeling alone with Debt. I shall post soon regarding my actual debts and break them down in order to keep the correct thread format later. This question is regarding letters threatening Home door visits. I have read previous threads regarding resolvecall etc and how they have no rights and you can tell them to leave and i have no problem either ignoring their door rings or telling them to F**k Off but the problem is that due to circumstances i find myself stayi
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