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  1. Name of Claimant: Marlin Europe Limited Date of issue: 02/04/14 What is the claim for? 1. The claimant claims the sum of £2488.72 being monies due from the defendant to the claimant under a regulated agreement between the defendant and CLYDESDALE and assigned to the claimant on 18/10/2006, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. 3. The claimant claims
  2. My home was repossessed following a relationship breakdown in 2008 by Birmingham Midshires. I was contacted in 2009, 2010, 2012 and 2013 by BM debt collectors chasing the shortfall and each time I did not acknowledge the debt but i did request clarification on how the shortfall came about in a letter from a solicitor I received in 2010. In all my correspondence I highlighted I was not acknowledging the debt to BM or to their representatives. Two weeks ago I received a letter out of the blue from Moorcroft chasing the same debt again and then the weekend just gone I got a chas
  3. Hi everyone, I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card. Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused. I then sent a LBA and their response is basically the same. Below is their reply to my LBA: (Two letters for the two accounts but th
  4. Hello, I've found that I had kept every bank statement from mid 1980's to 1998 with Nat West. I had a couple of mortgages, several loans and what appear to be excessive bank charges, I will send an SAR, but it is likely that I have more information than they hold, unless they're very good at archiving. During the course of reading each one I found various bodies who had received money regularly from me, but I don't have a clue who they were/are, some seem to be directly connected to the bank account. I would appreciate any help with identifying the following, I have tried g
  5. Hi all Been reading up on Shelleys and Martin2006 threads ( which are very good indeed ) and looking in doing the following credit card charges reclaim. MBNA card - Defaulted around 2007 - cannot check accurate date as dropped of CRA and NO DN in SAR. —————————Credit Card Charges reclaim—————————————— Total Charges = £521 Total Compound Interest @ 24.90% = £10.699.22 Total Claim = £11220.22 ( which is WHOPPING ! ) Outstanding Balance with DCA £4500 ——————DCA————————— MBNA card taken out 2003. They then SOLD the debt of
  6. Court bans mobility equipment boss for 6 years - Churchills Homecare READ MORE HERE: https://www.gov.uk/government/news/court-bans-mobility-equipment-boss-for-6-years
  7. Hi everyone Hopefully I am in the right place but couldn't find a section to suit this .... I am really annoyed. My Hive heating set up is broken. After 3 or 4 calls to Hive including 2 resets of the system etc etc (an hour on the phone each time), they have conluded over the phone that my hardware is broken. Now for a start, no engineer has seen it to confirm something is broken - I don't think it is, I think it is on the blink due to an update they did of the system over Christmas. There is no signal between all three components at the same time. Initially the Hub was offline
  8. Hi all, Been a while since I've been on here. Have received a letter before action from Kearns on behalf of link financial for an old MBNA credit card debt. The debt is circa 2007. I haven't been chased on this or had any correspondence on this or made any payments on this for over 6 years for sure. I have attached a copy of the letter. Please advise course of action? If I am honest, I have moved address and Link have recently chased me for another one and I feel they are phishing on this one as I basically disappeared for 6 years. Letter attached for advice.
  9. Hi all, Thanks in advance for your assistance, my wife has receive a letter today with the below information: "My records show you have an outstanding balance of £279.72 in respect of ****** (address) for the period 7.1.13 to 17.2.13" My question would be ... is this enforceable and would the statute barred rule come into play for the amount of time that passed? Thank you
  10. Hi All, I have a CCJ on my credit file which is due to come off in a few months. I am making monthly payments towards the debt which will remain unpaid once the CCJ is removed. Just looking for information in regards to what the DCA or the courts can do if i stop making payments once 6 years has elapsed. I still owe approx 2.5k which i cant clear anytime soon.
  11. I will be concise as this is not a confessional, if helpers need more information I will respond promptly. I am 67 years old and have seven creditors, one with CCJ. I followed the advice of CAG and offered what I could, a token £5 a month to each. These payments were set up and have run without apparent fault for about seven years. Since doing this I was evicted from my home of sixteen years (the reluctant CCJ with a very patient landlord) and had no valid postal address for some time. In 2013 I had to move to Germany for family reasons. My only income is my state pension and a very
  12. I have just received demands for final balances, gas and electric, after moving out 4 years ago. Firstly I did give final readings, as my ex LL was a problem, I also transferred my accounts to my new address, and still at the same address. I can't remember if I got final bills from that long ago. The demands I've received state they have tried contacting me several times, and that I have 28 days to pay or the will register defaults on my credit file! Any advice, I have emailed a complaint to them.
  13. Hi All, I've got numerous claims on going at the moment, some of which are over 6 years - I have been waiting since Feb/March, I spoke with someone at the FOS last week who stated that there is a "decision" currently on-going and that the PDL companies are battling with them as to what action they can take for those loans over 6 years etc. Does anyone else know anything further about this, seems some companies have "opted in" or agreed to them but others are fighting it as it will obviously mean more complaints against them.
  14. My 27 year old son rang me today saying he has received a letter Housing benefits from when he was in a bedsit at 18 attending college He moved and they have just sent him a letter saying he owes £500 and they are taking it direct from his wages as he did not inform them he had moved on time.. . He has always worked since leaving the property and has always paid council tax at his new addresses for 9 years and been on the electoral roll. He has never received any letters of over payment and has no knowledge of this over payment. I was guarantor at the estate agents for the beds
  15. Hi I'm after a bit of advice. I am currently interest only on my mortgage and owe approx 63000. This ends in 7 years. I am in no position to remortgage. Because of my poor credit rating and type of house I'm in. As I know this 63000 needs to be paid. What is the best way. Do I up my monthly payment to my mortgage company or save up over the 7 years. (I actually thought I had longer) Thank you
  16. I have just received my renewal form for ESA. I have been in the support group from the start. Originally claim was based on my depression and severe anxiety. I cannot remember how long since my last assessment but it must be over 5 years+. Since that time my physical health as gone down and I now have emphysema/COPD and severe osteoarthritis. I had one face to face at the beginning and it as all been paper based since then. I have made a "right of access" request for my records. My first question is this the same as a subject access request? Where I get all information about me ie
  17. Hi, First time post here, but given the nature of what is going on I could really do with some advice. So this all relates to a refund they gave my partner and I some 2.5 to 3 years ago. At that point we were living in a one bedroom flat with a prepayment meter. Now, according to nPower, due to a mistake on their side (they said over charging) we were to be refunded £500. Upon receipt of the refund letter my partner phoned nPower customer services to ensure it was genuine and it wasn't being handed out in error. We were re-assured it was genuine and that we were definitely
  18. Hi, I find myself in a difficult situation. I was diagnosed with sleep apnea 10 years ago and then issued with a cpap device. I was never told at the time by my Gp who referred me or by the hospital consultant that I had to report this directly to dvla. I assumed as it was controlled everything was ok. Recently I had an issue with sleep apnea being uncontrolled. my machine had a problem which has been replaced with one that wirelessly reports data to the hospital. They say sleep apnea is now controlled again. So far so good, again no mention of Dvla. Recently
  19. Have recently checked my credit file I have a default from British gas for £69 recorded at old address on 06/06/2015. I moved out of that address in September 2012! British gas were claiming at the time £69 disconnection fee for moving house so I paid them for energy usage and left it at that. Surely they default should of been recorded with in 6 months as 3 years is very wrong. If it was recorded correctly it would of or very soon drop off. I have gone through the complaints procedure with British gas and they claim the default is recorded correctly but they d
  20. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up postin
  21. Back in late October 2014 we purchased an Hitachi Fridge Freezer. One of those amazing offers reduced from £499 to £349. In mid April it failed with a code (5r) being displayed. I called Argos and was advised that I should find a company to check it out and produce a report then they would make a decision. The mention of 3 and a half years was an obstacle I was told. Just how hard to find someone anyhow eventually (and a mini fridge purchase later) I find a local company. 2 visits and 2 hours later they decided it was an exceptionally small leak over time and repaired i
  22. Being a new customer of Hastings direct I was astonished to see that my many years of no claims discount (as submitted) had been reduced to 9 years by hastings when i was attempting to check the new policy details. It seems that whatever your actual NCD, if it is more than 9 years, Hastings directs' system only allows a maximum of 9 years to be entered and that this reduction is done automatically without notice (other than showing the substituted amount buried in the policy details). Both my prior insurance suppliers' systems had no issues with recording and reporting NCD
  23. Hi I have a question that I'm hoping someone may be able to answer. Some years ago I undertook a degree course with the University of Exeter. Unfortunately I was unable to complete the course but did do enough to claim a Cert of HE. However I had a disagreement with the uni about some fees 'owed' for a field trip and they refused to issue the certificate .... so now we arrive at today - more than 6 years later, when thinking of applying to the Open Uni, I contacted them to get official proof of credits and they still refuse citing the 6/7 year old debt as the reason. I mentioned that the
  24. I am sorry if this isn't supposed to be in here but I just want to get a few ideas and thoughts on this. I lived in central London 2010/2011 and took lending stream loans out (as far as they are concerned as I can't remember not paying them back).. ..fast forward to 2018 (I moved in 2012 and then again 2016), PRA Group contacted me about a loan (£80 - which isn't the sum but the principle that bothers me). I called PRA group and launched an investigation and complaint and then called lending stream doing the same, disputing the debt as 1) I had not heard from them via emai
  25. The driver has just received a letter from a solicitor regarding a traffic violation in Italy four years ago. All the information provided seems correct, i.e dates, type of car name and address of driver. At first we thought it was a [problem], this is now looking less likely but still possible. What is the best course of action? The requested amount is €300 from waters&gate
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