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  1. Hello all To cut a long story short had some financial issues and was taken to court by moneybarn for a return of goods order which they achieved, just received the court order in the post after a week or so but i need to know where i go from here. I have attached a copy of the order if someone could explain to me what my next steps are and im also very concerned about the £493.00 in 14 days as i do not have that kind of money many thanks steve
  2. SECTION 75 (Only) Protection when buying Goods using a Credit Card - Section 75 Claim By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers complain that drawn-out compensation claims have left them without any goo
  3. SECTION 75 (Only) Protection when buying Goods using a Credit Card - Section 75 Claim By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers complain that drawn-out compensation claims have left them without any goo
  4. SECTION 75 (Only) Protection when buying Goods using a Credit Card** - Section 75 Claim (** or any method of Finance covered by the Consumer Credit Act) By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers co
  5. Hi all I need some advice, I want to pay off all my debts. Background :- I have around 5 debts One is statute barred so I wont worry about that one Two others I am paying off weekly or monthly but will take about 8 years with what I am paying Two the judge ruled I had to pay but I have not paid anything for 2 years and not been chased for payment either. One of them includes a charging order on my house. Can I get this removed if they settle for an offer? My circumstances will be different in around 6 weeks time when a large sum of money will be available to me.
  6. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  7. Hi guys A little advice and guidance needed. Some years ago our neibour spoke with us stating that a builder she knew stated the chimney needed re-pointing and offered to go halfs with us to keep cost down which we did however only half the chimney ( Our half ) was done we discovered that whilst she gave him the go ahead she chose not to have her side done which was just crazy. skip to present day and I had a builder friend doing some ridge repair work on our roof and he asked me to loan him my phone and he proceeded to take pictures of the chimney stack he then informed us tha
  8. Hello Everyone, I hope this has gone in the right thread Im really hoping for some great advice here, - Although i'm confident i will receive it, Im writing on behalf of my sister. Here is some background information which will help picture our crisis. My sister is 27, a qualified staff nurse, caring, loving and kind.She has fibromyalgia a chronic widespread musculoskeletal pain and fatigue disorder When she first started nursing she was put on HDU a high dependency ward, A highly stressful ward when first qualified. In time my sister became depressed and was put on
  9. Hi, My ex (the mother to my son) has run away to Scotland (about 4 months ago) and left him behind with me and my girlfriend. We had a signed agreement (witnessed by a solicitor) that after a couple of months of moving up there she would pay £100 a month towards feeding/clothing/school etc, she paid twice then went silent, completely silent, doesn't even ring to speak to him anymore. So i got the CMS involved, I paid the extra to have it done as a collect and pay, as historically she has been bad with money. I know she was working as of two weeks ago, and had been up to tha
  10. Hi, I was recently convicted of benefit fraud, during my case my prosecutor kept making personal attacks against me. I made the mistake of letting the court know that I suffer from sever social anxiety and can't handle confrontation. it made me suspicious as to why he would do this when a piece of evidence that he told the judge of how much I had illegitimacy received over the time period of my claim I calculated there was an error in the numbers. When I applied for benefits I let the job center know that I had over the £6000 limit in savings, so if my nat
  11. this could be a very stupid questions but I notice on my CRA files some loans/debts show as settled whilst others show as satisfied. Which is better? I ask as I have an aqua card debt I need to pay and want to request a full and final settlement figure but part of my request is also asking that the debt be shown as nothing else owing on it.
  12. Hi all, today I have received 2 emails 1 for my natwest account the other for my rbs account - both saying the same thing "We're really happy to let you know that from 5th April 2016 we'll stop charging unpaid transaction fees on your Basic account. You're charged unpaid transaction fees when you try to make a payment but don't have enough money in your account to cover it. We normally charge £6 for each unpaid transaction (up to £60 for each charging period). The good news is from 5th April 2016, you won't need to worry about this". Has there been a problem with these charg
  13. Bailiff To Recover Big Windfall From Auction "A firm of bailiffs which recovers unpaid debts on behalf of the British taxman is eyeing a bumper windfall as it prepares to be sold by its private equity owners." Read more here http://news.sky.com/story/1546167/bailiff-to-recover-big-windfall-from-auction Is Marston being bought out? wow could be interesting original story via LACEF (Scoop) http://www.scoop.it/t/lacef-news
  14. Hey, Just looking though my credit file and there appears to be some records on there for both Lowell and Capquest which I really don't recognise. Whats the best way of dealing with this ? is it a CCA first to gain a copy of the agreement or have I got the terminally wrong and is there something else that I need to be doing first ? Thanks Scott
  15. I received a letter from one of the debt companies that have taken over a debt I had for £165 they offered me a settlement payment of £50 so I took this offer and I have paid the £50 The guy I spoke to was rude and very unhelpful! He told me that this account would show up as Settled instead as Satisfied .. If I were to pay the £165 then it would be satisfied, he then went on to ask me a number of questions as to why I could afford to pay £50 but yet I can not pay £165. So I am wondering what the difference between Satisfied & Settled is ?
  16. Can anyone identify the film from the plot below? The story of a handicapped boy, who's mother and siblings were brutally murdered in front of their home. In a twisted turn of events, he is abducted by a masked man and is held prisoner in a dentist's office. The story tells his father's journey to find him as he chases the kidnapper thousands of miles with the help of a mentally disabled woman.
  17. Hi anyone else recieve a letter from virgin about changing billing dates? below is the text from the letter . they now want me to pay in advance for my services and according to their website it doesnt give me the right to opt out of the contract without paying fees . Anyone with any thoughts ? I cant really get my head around it , and they say they are doing it because some of their customers are confused, I think lots are going to get confused. We wanted to let you know about some important changes were making to the way your billed .Please tak
  18. had two loans that I paid for 3 and 4 years respectively and like so many more discovered a big chunk of my payments had been going on PPI , one had been miss-sold because I was self employed and could never have claimed under the terms of the policy and the other I had refused but they added on anyhow. Calculated what my position would have been had all my payments been coming off the capital and concluded that one was definitely cleared and the other had possibly a few hundred outstanding. contacted the companies and got into wrangles with them that went
  19. I really dont know where to start here but i will try and explain as best i can. The main reason for the post is to find out if the repossession is legal which is only the tip of the iceberg here. A financial adviser is contacted to source funding for a small residential development. The adviser contacts a company who happen to be a broker. The broker sources funding from a lender and charges £1,000 app fee. The application is made to LENDER which was successful, no issues. The name of the company at the top of the facility Letter is lets say "The Lender" There is no address or contact
  20. 1st the weird letters and news following incorrect defaults now this http://www.bbc.co.uk/news/business-27321589
  21. Hi could someone please explain the difference between LPA & Fixed Charge Receivers? Have recieved a letter from the LPA receivers solicitor refering to the fixed charge receivers. Have ust read that LPA receivers are incorrectly refered to as fixed charge receivers but it doesnt explain the difference. Any help would be appreciated thanks.
  22. http://www.bbc.co.uk/news/business-20803548 Was listening to the usual defensive utterances from the BBA who are saying some of the proposals are likely to ward off investors. They even have the nerve to try and say that any punitive measures would mean the banks having less to lend to businesses.!! As if they have even been bothering to give much needed cash to struggling businesses. In fact even the Government backed 80% guarantee EFG program saw the greedy banks forcing directors to sign personal guarantees and forfeit rights under CCA !!
  23. hi there got a bit of a thing here. Recieved a letter last week from a company called pace forward which was an address conformation letter didnt do anything about it just put it to one side. Today i recieved a letter from rockwell telling me they have been instructed be their client arrow global limited (never heard of them) about the above account(ill come to details in a min). Apparently arrow say my debt is suitable for litigation. Rockwell want payment in full in 10 days but if your unable to pay give us a ring. Now i turned the letter over and noticed t
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