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  1. I rang Paratus AMC Limited to ask what my mortgage repayment would be after the Bank of England Rate raise, I was not surprised to be told it had increased but was shocked when I was told Paratus AMC Limited had added Buildings Insurance Premium of nearly £50 a month to my mortgage repayments!! - which means I would be paying over £500 a year just for insurance, when the fact is I have my own buildings insurance and much lower. I asked why they had added Buildings Insurance Premium, I was told it was a legal requirement, but I've had my own Buildings Insurance in the pa
  2. Hi all, can anyone recommend who I should structure a PCN appeal given this situation? One half of the road (where I usually park) had its resident parking suspended temporarily for works, so on Friday I parked on the other end of the road. Having returned to my car for the first time today they have re-opened the usual half and suspended the half I was parked in. Because I hadn't been to my car in 4.5 days I had no idea they had moved the parking suspension. My partner and I are absolutely certain there were no suspension signs where they are now currently - we made a point of looki
  3. So I take care of Gas/Electricity switching for my grandmother, so her account is linked to my e-mail address as I submit meter readings online for her and such since she's basically a technophobe for anything more than a TV, and when I checked my e-mails this morning I had one from EDF saying "Thanks for booking an appointment to have Smart Meters installed" I hadn't made any such appointment online, and my grandmother had made no such appointment on the phone either, so EDF had simply taken it upon themselves to book a Smart Meter installation for her in 2 weeks time. Fortunately I wa
  4. I found out yesterday that RBS have closed my account with no warning and they have said I can't get any funds out of the account. They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas. They told me to contact them in the New Year to see if there is any update. How long can they keep my money for? I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??
  5. Help, Please can anyone advise me where to turn to. I bought a 3 year old approved used Mercedes from a Mercedes dealership on Dec 22nd 2017. I was told verbally that the car was being MOTed the day prior to my picking it up and I was giving paperwork listing the MOT date as Dec 22nd 2017 - Dec 22nd 2018. I was overseas for a while in Sept / Oct and left the car in airport parking. Whilst I was away my car was damaged with some scratching to the bumper. I returned to the UK and amongst the admin I had was a reminder for taxing my car. When I tried to do this I real
  6. I have recently applied for a job where I needed a credit check. And was shocked to find I have had CCJ to my name for about a year. I have been at my home address for 20 years. I have had NO notification from the court and no conformation of intent from the person pursuing me. How can someone issue a a CCJ yet I have no knowledge of. Also when I applied to the court regarding this they only had one letter from the third party and there was no letter from the court to me/ Can I remove this CCj as it seems unfair that this judgement has been behind my back and I was n
  7. Have just returned from helping a family friend out this evening, she was stranded at road side with puncture, and no spare wheel, car jack, wheel brace or emergency puncture repair kit in the car.The car was the lady's first and she bought on the basis of colour and because it was cute, in other words the car dealer saw her coming and quickly worked out she was not aware of what to look for when buying a car. So, tonight in pouring rain and in the dark at the side of the road I had to give her and her son a lift and abandon her car at roadside.Before, I call the 2nd hand car dealer tomo
  8. When I was caught using my mom's freedom pass, 'the caution' was read to me AFTER I answered all the questions and was asked to sign the notes. I was NOT asked to review the notes just to sign. Is it how it is supposed to be done? After the questions and my signature the caution followed and I just felt sick. The officer offered free legal advice but I refused because I was mentally and physically unable to continue. Can I still request free legal advice should I go to court? I think I wasnÂ’t informed that I DID NOT have to answer the questions WITHOUT
  9. Hi as part of our research on outstanding debt to put together an income and expenditure form for StepChange, we requested a Noodle report and on it there was a CCJ which we have now discovered id Moriarty law for an Uncle Buck debt. In the letter it states that an instalment plan had been offered to us which it hadn't and i assume that before a CCJ gets registered we should have received some communication from the court which we didn't. Don't really know where to go from here as we are trying to pull together a plan but it's going to be blown out of the water if we are forced to
  10. Hi All I've read a lot of horror stories about Utility Warehouse but none that quite matches my scenario. My partner and I recently moved house and the previous tenants must have been with Utility Warehouse as we received tons of mail from them, telling us the house had previously been supplied by them and trying to coerce us into sign up. I only opened the first two and consigned the rest to recycling. Then today, I received a letter in a plain white envelope, which I opened. The letter is a demand for a 'missed payment' along with a membership number. It is addresse
  11. Hi, Recently some friends and I went on holiday to a villa rented through AirBnB. While there we cracked a plant pot, and some soil leaked into the pool. We spent the penultimate day cleaning and scrubbing the place because we felt guilty and left the place in pristine condition. We left at 8am, the host had guests in at 12 noon the same day. Upon being home a few days, the host put through some damages for us to pay amounting to a staggering 684€. This included; - Cracked Plant pot (80€) - Damaged IKEA towel and damaged IKEA bedding (50€) - Pool Cleaning (50€) - C
  12. I recently ended a relationship with my girlfriend of 4 years. When we broke up i let her borrow my car for a few months. Everything was fine during this time and i was getting to see my son. All of a sudden i was not allowed to see my son and my ex is refusing to return my car to me. I am currently going through the court process to gain access to my son. In regards to my car, i recently learned that the v5 of the car was tranaferred to my ex name. I made a complaint to the DVLA and i was told that i was sent a letter notifying me the change of name, but i did not receive thi
  13. Hi The company i used to work for has closed down, I do not have a P45 to claim benefits and I am unable to contact them by phone or in person. The company no longer exists, theres another shop there instead which has opened up. I only have payslips from December 2017 which is another company i used to work for (and I was paid cash-in-hand). These small busineses did not give us payslips but only when we needed one and asked for it they would supply it. Will I able to get universal credit if i dont have a P45 or payslips ? What will happen now ?
  14. Hi, would appreciate any advice regarding the situation of a relative who is a single Mother. She had an outstanding housing benefit overpayment which was being repaid monthly over a payment plan for the last few years. At the beginning of this year the council got in touch to say that they needed to increase the amount paid each month; following a review of her income and expenditure a significantly higher amount was agreed to be paid which she has paid without fail. The council also stated that they would review the payment plan after 3 months, however they sent a letter 4 months l
  15. Hi there, Can anyone kindly advise - Parking Charge of £100 received for not displaying BB in Disabled Space, at night in a large Retail Park from UKPC. I don't have a BB and I'm not disabled. I didn't see any signs for UKPC in that area and it was very dark - I only saw them afterward driving home once I had received the ticket. I took a photo to demonstrate that there were no signs in front of the car. Should I just ignore this. Or should I contact UKPC to say that I wish to contest this. I parked there because it was late at night and the car park w
  16. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong
  17. Hi A close friend has just been told by his employer that he is being laid off because they do not have enough business coming in. he was told last friday and asked to leave the same day. He was also told that he would be paid from the 1st to the 8th of June and nothing else. His contract states nothing at all about being laid off. Only termination which they would provide 1 week's notice. My friend has only been in the job for just over 2 months as he was lured away with promises of development and payrises etc. He was in his previous role for 4 years . Is th
  18. 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
  19. Valproate banned without the pregnancy prevention programme READ MORE HERE: https://www.gov.uk/government/news/valproate-banned-without-the-pregnancy-prevention-programme
  20. Hi All, It's a quick question. I took a credit card out with Lloyds Bank, then unfortunately I was made redundant. I went though their income and expenditure document to inform Lloyds and they put a hold on the card. About 5months later they put a repayment plan in place and according to them, they sent a letter. I did not receive this letter and they made no other contact to me about this. The bank said that because I had failed to pay the repayment plan, the account will be sent to another company. My point is, if I receive nothing about a repayment plan, and the bank
  21. Hi there, heres the story, I paid for an early upgrade online with ee. the cost was £251 including the early upgrade fee to buy out the rest of my contract and the upfront cost of the new handset. Now I ordered this the same day my new bill was generated, however my payment date for this bill is the 10th of each month, it was not due for another week so I didnt see a problem. in the after morning after ordering I checked the ee tracker to find news of my delivery only to find it `timed out` it couldnt find any record of the order number in other words. I phoned ee to fi
  22. I am in court on Monday for a CCJ claim against me. I have only just noticed that in the other sides witness statement they have listed a proposed payment agreement by me which was sent Without Prejudice. Its too late now I know but should I raise this matter immediately with the judge or wait for the other side to use it in evidence. Obvioulsy the judge has read the witness statement now. TIA
  23. Hello! I went to court with my neighbour over a land dispute. I had to withdraw from the trial because I am deaf and the audio loop wasn't working, but the Judge refused to adjourn... This is probably a whole other area, however, the neighbour was awarded costs of £23k and has now placed an Interim Charging Order on our jointly mortgaged house. My husband is not the debtor. I want to know if I can argue that the Award is unfair, not just because of what happened in court, but also because it includes a 100% success fee, which I feel they are not entitled to because I did not re
  24. Hello all. I submitted a claim using MCOL a few weeks ago for a Deposit I gave to a Landlord (LL) when I lodged with them for 6 months, a total of £600. I am claiming that amount, including interest and court fees totalling just over £700. I took all reasonable steps to get the deposit back but the LL started blanking me and made promises to pay but never did. I started the MCOL process and they submitted an acknowledgment of service, stating they are going to defend the entire claim. Fair enough, thats their right. However herein the problem lies. I had b
  25. I think my landlord or someone else may have entered my property without my permission and this has made me feel very uncomfortable. Obviously at this present time it's just a suspicion. I think this because I have a coin meter for my electric, it doesn't seem to read the amount of coins entered well but it says not to exceed 80 coins. I have been in this property over 7 months and at a guess I have probably put in 150-200 coins and it doesn't sound anywhere near full, leading me to think someone might have let themselves in without my permission to empty it and I don't know how many
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