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    • I’ve heard recently that IDRWW and Mr Coyle are at it again !!!! Maybe another email to the SRA and The FCA is needed!    when are they going to stop abusing and harassing when they don’t even own the debt 
    • Same issues as : also spent ££ to have mechanical failures fixed   will have a read
    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
craigy4win

can anyone give advice out there

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hi after getting made reduntant in 2008,i had loads of bills which were covered by ppi which i used however these stopped paying out after a year so i was left with debts only on 60pound a week,so i contacted cccs i was adviced to pay only token payments of a pound the trouble is ive done that for a year and have had loads of defaukt notices for underpaying i got a job at beginning of this year only working part time so phoned cccs again and they advised to do same thing but these debts are just going up and up with defauts some have even doubled i do not have any assets live with parents here os a list of what i owe

halifax overdraft 2,200 this is made up of bank charges

halifax credit card 2,000

littlewoods catologue 1,800 doubled with intrest when i opened this they have my surname wrong and i asked them to change it but they never did now with ndr

capital one 799

aqua 600 now with clarity

premiur man 300 now with 1st credit

belmont thorton 200

studio 24 300 now with westcox

sainsburys bank loan 1.700

id be gratefull for any advice anyone may have i can not afford to pay anymore than token payments is there anything else i can do

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any advice would be gratefull thanks all

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all credit card and loan charges like missed/late/over limit/letter/phone budgie died are unlawful and can be reclaim + int at THEIR rate

 

you could cca everyone [barring the bank a/c's or od's]

that might throw up a few ifs and butts...too

 

however, you are doingthe correct thing so far.

 

lets get you ducks in order first, then we'll start shooting then.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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thanks i do have a lot of charges on my sainsburys loan i thgink i claimed late charges back but not phone calls also they charged extra intrest are they allowed to do this,what would you recomend i do ask for cca what do i need to look for in these can you still reclaim bank charges where do i stand with overdraft,catolouges please

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pop along to the homepage and do some reading i think is your best bet.

 

then we'll deal with anything you don't understand.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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