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About Me


  1. http://www.thisismoney.co.uk/money/markets/article-5653351/Computers-decide-PPI-victims-payout-explosive-documents-show.html
  2. Hello, I am completely clueless and dealing with other stressful situations on top of a collision a couple of days ago. Other party's fault and my car is not worth fixing. I was asked to send in photos of car for evaluation purposes. Other party's insurance company offered to settle the case too. What do i have to look out for? I've read something about paying out premium. I have no idea what that is and I don't have time to deal with this as there are other very urgent pressing matters in my life. I was told something on the phone about my premium and no claims bon
  3. Sick and elderly have to wait outside in all weather in the cold for up to an hour before a GP surgery opens - just to get an appointment. Patients are said to start queuing at around 7am every day, although the surgery doesn’t open its doors until 8.00am. What if you are elderly and living on your own? You can’t expect them to come and queue. It’s disgusting. There are lots of old people standing in the freezing cold in the middle of winter. The system needs to change. There are queues every morning. The surgery should open up its doors earlier and have a ticket system, whereb
  4. I had to reregister. I was pj2, but CAG no longer has a password renewal option (or it doesn't work, as the page doesn't exist), so there was no way I could get back into the forum. After years of paying an old debt slowly, Robinson Way sent me a letter: "our client is today offering you a 50% reduction of the balance you owe in settlement of your account. Paying XXX will clear your account and you save XXX and become free of this debt. Please note that where this account is recorded on your credit file and you pay by reduced settlement, this will be updated as partial
  5. http://www.express.co.uk/news/uk/820462/Outraged-parents-Thomas-Tallis-School-suicide-notes-class-project
  6. Can anyone please explain to me what exactly is a Category D write off. Car valued (retail) around £1350--1500. What price reduction would be acceptable for a car written off as Cat D. ??
  7. Hi there. Total newbie here. Any advice greatly appreciated!! I got into debt a few years ago. Payday loans the lot (multiple - it's embarrassing. I was a young stupid single Mum). Now in a decent job with teenage kids. Went into a DMP with Debt-line who then were sold to Lawrence Charlton. Have been paying £130 a month dutifully since 2013. Although the charges went up significantly when Lawrence Charlton took over I felt safe so kept on with it and owe about £18k to my creditors now. Lawrence Charlton are stopping all DMPs and said I should tran
  8. A debt collection firm has agreed to write-off £414m worth of claims after the Financial Conduct Authority (FCA) found systematic failures in the company's systems and controls. Motormile Finance, which also trades as MMF, will write off debts that it had purchased from third parties owed by more than 500,000 customers. Motormile, which also trades as MMF, MMF Debt Purchase and MMF UK, describes itself as “one of the leading debt purchase companies in the UK,” and specialises in buying up old payday loans and other debts, and then attempting to recover this money.
  9. Hi, I am going to try luck in claiming back PPI I had years and years ago. Because it is so long ago, I dont have any paperwork/account numbers. I can remember who I had loans/credit cards with but my question is, where do I write to, is it their registered/head office or to a branch? Many Thanks
  10. 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?
  11. A strange thread perhaps and why have i written this. Well i have been watching as a couple of people write letters to each other for years. When young i used to write letters to relatives thanking them for birthday presents etc. I watched the person write a letter and was surprised in these days of emails that they get so much pleasure from this practice. Writing a letter,putting it in an envelope,sticking a stamp on it and trotting off to the postbox. And waiting for a reply. Really feel tempted to get my quill out dip it in ink and write a letter to myself. Then i could
  12. im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits"
  13. Hi, We bought a 2003 Fiesta in November 2014 (last year) from a car dealer in Warrington for £1500. We didn't do any checks as we felt that it was unnecessary from a dealer (We now know this to have been a mistake and should have done checks), however we did ask if there was anything historical about the car that we should know about, they said there wasn't. Fast forward to today, we've come to trade in this car as a part exchange and they've informed us that it was a Category D write off, and would only offer £150 for it. We've now run a check on it ourselves and this is true
  14. Hi people. I emigrated to Ozz 3 years ago in my absense Link Financial obtained a CCJ over an old disputed British Gas originally finaced by GE money. Link bought the debt from GE. The dispute was over the interest rate charged by GE money for the boiler. In essence I did no sign the credit agreement. The CCJ was issued on my old UK address. Today the court have agreed to set it aside, in a telephone hearing which is great, but have instructed me to write a defence letter to Link and also the Court, I acknowledged to the Court that I owe money for the Gas
  15. Hi Thank you very much for looking at my thread.........I was looking to buy a vehicle from an independent dealer After we had paid the deposit a friend suggested we HPi check the car, we had already asked the dealer and he mentioned that that they had done a HPi check as standard procedure. When we purchased a report it stated that the vehicle was a write off? Am I entitled to my deposit back? Thank you very much to all responders Kind Regards Nick
  16. This one is weird. My mortgage statement from Dec 2013 shows NRAM have written off a mortgage shortfall off approx £590k (yes, £590,000). I do not have a statement for Dec 2014. I am not sure if this is a true 'write off' or whether it is just transferred to a suspense account or the like. The property was repossessed by NRAM in August 2012 after a long long fight. The mortgage was almost £1.1m with all costs and charges and arrears etc and the property had been worth £1.2m. Before repo we had offers of around £900k but could not sell as it would not clear the mortgage and NRAM are
  17. i wrote my car off in an accident on 14th feb i admitted fault but insurance keep saying they are waiting for a police report before they pay out. I am still paying finance on the car and monthly insurance installments. how can i get them to speed things along everytime i phone i get a different story.
  18. My daughter was involved in an accident where someone crashed into the back of her, her policy was due to expire 5 days later. The new policy was already set up with the same firm and the first payment had been made. She was told by her insurance that her car was a write off a few days after the new policy had started. What will happen to the new policy? surely she won't have to pay it, will it be null and void? Opinions and advice will be appreciated.
  19. Nothing more to be said... Can we put this in the newsletter please [ATTACH=CONFIG]56933[/ATTACH] This debt was mine form 2010... So almost SB anyway....
  20. Hey, currently sitting here with a stupid wonga loan, on a repayment plan. in arrears by 270 days at £320. Been amending my repayment plan almost every other month as I am unable to afford it due to loss of hours at work due to disability. When I took this loan out I was in a bad place, and only earning £350 a month, i believe that they should have refused me on the basis of my income. I phoned them and they said I would receive an email today or tomorrow(!) if my debt was being written off.. Been worrying about this all week. So, has anyone else been written to regarding this matter
  21. Hi so June last year I part exchanged my motor bike at a local small garage/dealer it is meant to be a mark 1 Triumph speed triple 1994 I have had one or two people ask me how genuine it is as some parts look wrong so I did a hpi check it turns out it has had a colour change and was a cat c write off in 2005 it seems bikes don't need a vic check or is recorded on the V5. the dealer never told me it had been a write off I paid £600 plus my Kawasaki ZZR600 I would never have brought it if I had known and I believe the dealer should have told me. would I be in
  22. Hi, I'm quite unconfident with writing (inc. letters, forums...) but will try my very best to be clear and readable. I have viewed many cases here and learned much, but still struggling. I have a Claim against me (Credit Card) and have done all the necessary CCA CPR31 requests etc. My deadline for filing defence is tomorrow, and have now received a letter from claimant's Solicitors AGREEING extension of 28 days to file defence. ..I will come back here and post more details another day very soon, but due to extreme anxiety and research time I don't hav
  23. ive got a friend just had his car declaired a write off (probably - ill explain later) the insurance company has said they value it as a write off value of £700 there is none same model same age in the local area for that (ive put a range of £25 miles in for local think thats fair) the cheapest one of the local ones is £795, i think its fair to ask for that. they have said that £700 is the market value and wont budge. (i say probably a write off as they havent sent anyone out and simply asked "do you think its a write off") any suggestions?
  24. Posting this on behalf of brother in law He had an accident last year and wrote the car off (cat b) It was on finance and he hadn't got comprehensive insurance like he was supposed to do the finance company (gmac) recalled the debt in full That then got put in as part of a debt relief order He got a letter a week ago saying the finance company wanted the car back and was willing to offer £81 for the value of parts off the debt I got him to email back pointing out that that was hardly a fair amount as the value of parts was alot higher giving some examples and also poin
  25. Hi I am sorry if this is in the wrong place but I didn't know where else to put it. I passed my driving test last month and coincidentally came into a little over a thousand pounds which I decided to use to buy a cheap run about. I bought a wee corsa which I love, knowing it had had what was described to me as 'a small bump' the repairs had al been done, although there were a few age related repairs needed which I knew about was happy enough to do it with the price I paid for the car. It turned out it needed a little more work than I thought but I figured that was
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