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  1. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  2. Two days ago I bought a freeview box from Littlewoods but after plugging it in and having a look, it is completely unsuitable, I can't even read the channels in the guide. Can I return this and cancel the order please or will it be refused because I plugged it in ?
  3. Hi all, I am new to this site so please forgive me if I have posted in the wrong place. I have been fined £1200 by a magistrates court around 2 months ago. At the time I was not able to pay and was instructed by my solicitor to state that I could pay in instalments once I had an income to avoid a harsher punishment by the judge who was not in the best of moods on the day. I was advised by my solicitor and court staff to contact the collections department for fines to offer an amount I could pay monthly, every offer I ever made was refused for a payment plan but they kept t
  4. Women winning battles: Recreating the Wrens unit which helped win the War READ MORE HERE: https://www.gov.uk/government/news/women-winning-battles-recreating-the-wrens-unit-which-helped-win-the-war
  5. Hello gang Looking for some advice, I received a PCN from Cambridgeshire County Council last Sunday for reason "Parked without payment of the parking charge - Code 11) I had bought a ticket for the period in question but a gust of wind it must have slipped it off the dashboard as I closed my door. I still have my ticket and I was wondering if I have a case to appeal and if there is a template you suggest I could use? I have never appealed before - never actually had a PCN before. It's for £50 but will be reduced to £25 if I pay within 14 days, which is next Sunday. Th
  6. Hi all, I am new to this forum and apologise if this is the wrong section to post this. I live in London and was involved in an accident yesterday. As I was leaving the bus, a man ran to get on the bus and collided into me, giving me an ankle injury. I didn't know if it was broken or just sprained, but figured it may have been broken as I almost fainted moments after. Do I have any rights to receive compensation i.e. from the man? Thanks.
  7. I intend to get professional legal advice on this as I'm making my Will, but I thought I'd test the water here first. Please don't ask questions about the reasons for my wishes, it is a complex situation and I don't want to discuss it. Circumstances: I own my home outright, I am the sole owner. I bought the house outright with no mortagage and only my name is on the deeds. My girlfriend moved in with me when I took possession and a few months later her son moved in as well with my agreement. They are both named on the Council Tax and have bank accounts and mobile ph
  8. in October 2016 I've started a 2 years contract with Vodafone but after half a year I couldn't keep up with the payment and didn't pay since then. I do plan on getting rid of the debt once I'm fully back on track, I can't afford it at the minute and hoped I still have some time before any legal action can be taken. Recently I started receiving letters from Lowell Financial Ltd, headlining with "Pre-Legal Assesment". Do I have to be worried about any legal action? My Vodafone contract ends in Oct 2018 in theory. Are they able to file a CCJ even if they bought a debt of a co
  9. Hi, I hope I have posted this in the rigjt place. I wonder if anyone can help me. I was served a default notice by Nationwide in December of 2007 for arrears on a personal loan account. I eventually managed to bring the account up to date but in 2011 defaulted again and was served a default notice in July 2013. I have read on other threads that an account can not be served with more than one default notice. Is this correct ? if the account was brought up to date then defaulted again? I have the paperwork for both defaults which state different am
  10. A man goes into a bar and says can I have an orange juice and lemonade please? The waiter says – no, we don't do that. The man says do you sell orange juice? Yes. Do you sell lemonade? Yes. Then simply take a glass and put in some orange juice and some lemonade. I'm sorry we can't do that. Then bring me a glass of lemonade and a glass of orange juice and I'll mix them myself. Yes Sir. Which country are we in?
  11. I have an ancient Myjar default from 2012 from when they tried to pursue £1055 against £50 borrowed. It went through a few DCAs who sent standard threat letters which were easily seen off with section 77 requests but no court action was ever taken, and it should have gone SB in March. I was looking forward to it being gone from my file on today's Noddle update, however instead I've found that 1 week before the default reached 6 years, it was suddenly marked 'satisfied' and it now appears as a satisfied closed account rather than having dropped off my file altogether, where presumably
  12. A strain of influenza which hit Australia and affected 98,000 people, is set to come to Britain and could case our worst epidemic for fifty years. Will it or wont it.I am taking no chances how about you. The vulnerable groups include the over-65s, pregnant women, children from six to 24 months and those with long-term *illness such as *diabetes, heart disease and asthma. https://www.unilad.co.uk/health/deadly-flu-outbreak-in-uk-expected-to-kill-thousands/ Well i have not much time this morning to hang around. I am nipping off sharpish to the vets to have my Flu Inject
  13. Hi Guys, I have recently received a letter from a collection agency demanding I pay the sum of £419.42 in relation to council tax owed to Plymouth City Council from 2011. I have sent a number of emails to Plymouth City Council asking why I owe this money. After completing my degree in 2011 I was forced to sign on and claim housing benefit as there was no suitable work available. My degree was a complete waste of money, but that's a separate issue. After sending and receiving a number of emails they have eventually told me that the reason I owe the money is down to the
  14. Hi all, first post. Just got a little question about CCJ defense response times. I filed my defence today (Sunday) online. Today is the last day I have for filing the defence. I should not of left it till the last day but I was waiting for a response from the claimant which only came the previous day. I had 33 days from the day of service in total to file my defence. My defence will not be processed by the court until tomorrow which will be the 34th day after the day or service. So my question is does the defence have to be processed by the court within the
  15. Basic background is a claim for around £600 against a large retailer. Mediation has failed, a hearing seems to be on the cards. Which, if any, of the following costs can be claimed from the defendant, assuming the claim succeeds of course. witness' loss of earnings for attending the hearing witness' travel costs claimant's loss of earnings for attending the hearing (There are two witnesses who will have to attend because the defendant will not accept witness statements from them instead and is persisting in disputing basic facts on principle) accountant's fees for providi
  16. Hi, I suffered a change in circumstances leading to a significant drop with my salary. I was unable to honour my direct debit to Harlands to cover my gym membership for Xercise4Less so cancelled it without giving them any notice. I find out later that they charged me a £25 admin free as per their terms and conditions. The T&Cs mentioned were news to me as not aware of any. None were presented at the time I took my membership out, and all I signed was the direct debit mandate to authorise them to deduct £9.99 on a monthly basis. I eventually found the T&Cs in
  17. The Great Repeal Bill – which does the opposite of what it says http://www.independent.co.uk/voices/theresa-may-great-repeal-bill-parliament-brexit-negotations-deal-a7837616.html One of the key points in the Brexit referendum and since has been the returning of power to the elected British Parliament YET the great repeal bill - includes a part which effectively gives absolute power to the PM and a handful of her senior ministers COMPLETELY bypassing the British democratic process. "The Great Repeal Bill proposes to delegate power to Government in the form of a Henry VI
  18. HI there I'm wondering if someone can point me in the right direction please. I'm in the early stages of reclaiming my PPI back on my Yorkshire Building Society mortgage, which was taken out in 2002. I have all my mortgage statements except the one for 2012, which I requested from them yesterday and they're going to send me. My main question is which of the 4 spreadsheets is the right one to use? I'm thinking it's the first one (StatIntSheet v101)? The PPI payments are paid monthly, but the amounts paid each month differ from year to year. Thanks in advance for
  19. My Dad got work done at his house where I live 4 years ago. The electrician didn't do something he asked for so he cut of £500 from a £20,000 bill. Today I get a update from Experian that I have a CCJ under my name issued yesterday. Having spoken to the court it turns out that the Electrican issued a CCJ at our old address where we moved from 4 years back. I never got any of the letters or did I get any intimation from the court AND I am not a part of this at all. I only live at my dad's house and the claim should be between these two. I have nothin
  20. I'd like to start this thread with a big, fat 'mea culpa' and declaring my limited company insolvent AND declaring personal bankruptcy are the only routes left to me & I'm at peace with that. I have confirmed this having spoken with my accountant, an insolvency practitioner the accountant recommended, the Citizens Advice Bureau and Business Debt Line. My question, however, is in which order do I execute these? Business first then personal? I've had conflicting advice from the IP and BDL. I only want to do this once (obviously) and do it right so am nervous of st
  21. Hi all, Thanks in advance for any help. I received an over-payment charge from a previous employer in October with a deadline for payment in 6 weeks. At first they miscalculated the charge and over-charged me - I did the calculations and got back to them to state that I believed it was incorrect. They replied that they would look into it a few weeks later sent me a new invoice with a lower (more accurate) charge. I have been in email and phone contact with them about this since the first letter. Following the second invoice, I then submitted another que
  22. Hi I need a bit of advice regarding trying to get £626.24 from Expedia for car hire which never turned up at the airport. I paid by credit card Halifax hoping this would ensure if anything went wrong - I should have know. After repeated emails and phone calls to Halifax/Lloyds they told me they couldn't claim our money back as the car was waiting for us at the airport (which it wasn't) - they just took Expedia's word for it - what can I do. Below is an email I sent to Halifax outling all the details/times/dates screen shots etc On the 24th May I
  23. I think it would be useful for CAGers to list which insurance companies use Albany Assistance for claim management given the widespread reports of Albanys practices which it seems many find troubling, including: Excessive charge bump up for hire cars Requiring fully comp insurance holders (including those with hire car included on their policies) to sign credit agreements Long unreasonably drawn out periods where nothing happens It would seem Albany wont do ANYTHING unless you sign a finance agreement and agree to their inflated car hire. Google: albany assistance claim management
  24. Hi Looking for information here. We purchased a little Citroen the other day Collected it after it had been taxed at 9.10am. My wife then used it for work transport and parked it on a side road. When arriving back to her car at 2pm there was a clamp and sticker on it saying no tax. i rang the number given on the leaflet and was told car was not taxed. Yet we had purchased in the morning. The lady said the car was clamped at 10.05 in the morning. Surely DVLA would know that tax would be on it? So i paid the fine to release the clamp. £100. H
  25. Can someone help me with my question? I need remortgage and on experian I have almost excellent scoring and HSBC has the best deal for us, so i need to know which credit agency they using. Thank you
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