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    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
    • Is the 1250BR his code from before shielding?   Before shielding, the tax code would have been 1250 as this is the personal amount allowed to earn before tax. It should then have been followed by a single letter. The BR at the end means it is an emergency tax code, and that you receive no PFA, this is usual if you have more than one source of income.  This code means that all the earnings from this income will be taxed.   The 605T code is a temporary code, and shows that your tax is still being reviewed.   The changes in codes is due to the change in circumstances, firstly he was in work, then claiming UC while shielding (unpaid I assume), and then going back to work again.   They should sort themselves out, but you can always sign up to HMRC and keep an eye on the codes yourselves, and query anything with them as well.
    • Do as above, and we can find out if it's an enforceable agreement, often it isn't from Lowell.   But from another point of view, as long as they have your current address, why pay them if you only have £30 at the end of each month? It's not visible on your credit file, so won't affect your credit score in any way. This is in no way a priority debt.    
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Hi Guys,

 

Bit of a problem, and I'm not sure what to do about it.

 

When I was at university, our household subscribed to a monthly electricity plan from a company called "Glide" - we were explicitly told that it was an unlimited plan (within their fair usage), and we all paid a set amount every month (it wasn't cheap, but we thought it would be better than worrying about whether the heating was on, etc).

 

 

We all moved out after a year with no problems - fast forward to January, I get a phone call from Glide saying I owe £110. I express surprise, and ask why. Apparently, the monthly deal wasn't "unlimited", and was actually just an "average allowance" and over the course of the year, we'd gone over this limit to the amount of £110 per person.

 

I argued back and forth that I didn't owe this, because we were explicitly told that it was unlimited, and we received absolutely no correspondence from them that we were going over their allowance. The conversation ended with the woman on the phone asking for my email so she could forward through a copy of the invoice, and it would hopefully make more sense.

 

I received the invoice (dated September 2009) and that was that. I had no further communication from Glide - no emails or phone calls.

 

Today, I received a Notice of Application for Attachment of Earnings Order. Apparently, a Judgement has already been made against me, and I now owe £318.

 

This is the original debt plus interest (£218) plus a £100 Attachment issue fee.

 

I've literally no idea how to proceed with this. Glide had made a single, flimsy attempt to get me to pay back in January, and even then, the woman seemed pretty eager to end the phonecall and just send me an email. I never received any "judgement" from the court, and this is the first I've heard of any of this.

 

I'm assuming it's now too late to pay Glide directly, but I object to paying almost 3 times the amount of the actual debt (which is bogus anyway, in my opinion).

 

Does anyone have some advice, please?

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If you never received the court papers you can apply for a set-aside which in effect puts you back to square one as if the judgement never happened and they would have to re-apply.


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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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So I have to pay £75 to do this, and even then there's no guarantee that it will happen?

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did you inform them that you were moving out of the property and no longer required them to provide elec/gas, if you did then they should have arranged for a final meter reading, and an address to send this to. With this info they could have sent you the final bill and if this wasn't paid then issued the court summons to the correct address and given you a chance to defend.

If they had your new address then it will be no problem getting it set aside.


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi,

 

Not to put my nose in but i had a similar situation with "Glide".

I too was on an "unlimited" plan and after leaving the property was told it was not unlimited at all and my final bill stood at £400!

I argued for a while but eventually paid as they some how always manage to come up with the figure quoting this period and that charge.

Mine never actually got to the court stage.

However, after a couple of months it still bugged me so i wrote asking them to provide a copy of an agreement and a statement of account showing charges and payments.

I never received what i'd asked for. Instead i received a letter or apology and a cheque for £555 ,the £400 i paid and £155 that i had been overcharged, once they looked into the matter!

I know it doesnt really help you in your current situation, but if you can get the judgment set aside it may be worth throwing something back at them (glide) just to see if they back down.

BTK


Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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Do you have any paperwork from them that states that the agreement was "unlimited"? If you do then that will help you immensely with the set aside.

 

I'm fed up to the back teeth with companies that offer an "unlimited" service that is, in fact, very limited indeed.

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Hi,

 

It was a couple of years ago now so not sure.

I will have a look and if i can find i will post up

 

BTK


Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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Their advert does not state unlimited now it says payments are worked out on previous usage.

 

Just 1 fixed price payment per tenant

Based on usage so use less and you'll save more money

All your utilities in one, simple bill


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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