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    • to set aside a judgement you must satisfy 2 criteria: have a good reason why you did not receive & act upon the initial claimform and a basic defence as to why you do not owe the debt. ( paperwork wriggles are not a reason as the existing CCJ nulls any paperwork requirement)   should lose, you would be liable not only for your fee (£255), you could also be liable for the claimant legal costs, this could be £100's or more, knowing link and the value of this claim, they might hire a barrister whom are expensive.   IF the set aside is successful (it is only a very short brief hearing) the CCJ is removed from the register and this resits things to as if you had only just received the initial claimform. you can also ask for your fee back from the claimant.   At the same set aside hearing...the judge, or the claimant can immediately set a hearing date for the 'new' claim, whereby you will each have to exchange statements by a set date.   should this not happen, the claimant can latterly request a hearing that will follow the normal small claims process,   The longer they leave it the harder this becomes in regard to statute barring. The issuance of the initial claimform stopped the SB clock, the default judgement - reset it too 6yrs, however the set aside removed the CCJ and the SB clock resumes from the time it stopped - so SB date of 6yrs advances again from last payment or use of the credit as if no claim was ever raised.  
    • Obviously from Athena's point of view had you eaten enough carrots their signs would have been easily read. Your appeal would therefore be rejected. They use a kangaroo Court where you have little to no chance of winning. Even a cast iron reason for quashing your ticket does not overrule their reason -which is to rip every motorist off for as much as they can. You are dealing with crooks that pay scant notice of the Law. I would think that Lidl will cancel your ticket but if not you have a  claim against Athena for breaching your GDPR.  
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • Hello,  Sorry if this is the wrong section but unsure where else to post.   I hope i dont go on too long but just trying to give as much information as i can.   I have been looking after my two Grandchildren for the past four years after their mother was unable to look after them.  This was decided by both of us and never went through the courts.  They are 16 and 17 years of age now,  so in my care since 12 and 13.   Their mother has had no involvement in their life in any way, since  i have been caring for them.     Both children had social workers due to the circumstances.   Since being in my care,  I have received  child tax credit for both. I am 77 years of age and receive a state pension   In 2019 I was struggling financially and the children needed new beds as the ones I had bough were cheap but all i could afford at the time,  so I had to ask Social work if they could help with new beds and bedding.  These were delivered and I was very grateful and this was the only help i have asked for.   They have now been accepted for college and their tax credits have stopped and they receive £30 per week EMA.  When they applied for a bursary this was declined because they were not under Kinship.  I did call the social work to see if they could give me a letter stating that they were under Non cared Kinship but the social work declined to do this and stated that there was no Social work involvement,  although they had a nominated social worker who used to visit them at school as well as supplying me with beds and bedding so to me thats involvement.   I never received any Kinship payments,  but all i am looking for is a letter saying they were Non cared for !!   Would love advice from anyone who could give me advice on this.   Thank you 
    • I suggest that you begin by sending an SAR to the bank to get the statements particularly for 2016 in order to see if there was a missed payment, if the direct debit became deactivated for any reason and also if you had the necessary balance in your account. Go from there Which bank?
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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I have just logged into my Smile account to make my regular payment on my credit card and the account information states unavailable and no balance amount showing :!: , I have not had any notification of any issues with my account what should i do?

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My Credit card Account number shows but states unavailable, the drop down menu to swap between accounts solely shows my current account number details, I cannot access any past history of the credit card account, its as though it doesnt exist

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co-op are doing maintenance this week


there was a notice posted.



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.


DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.



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