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    • Sounds like  you opened a right can of worms with this favor......but you dont charge for favours...so you have legal contract...even if verbal and not in writing.   She didn't have your personal address but obviously knew were you worked...you must have told her..or your family did.   As per my last post you cant serve papers at your place of business as your not being sued in the business name....hence the set a side hearing.   You was told to submit a defence by 28/5/19 which you did by email to the email address on the response pack which was sent to your work address again...why was it sent to your works address if you had just had a hearing to correct the address ?  Why did you not inform the court the address is still wrong ?   You then submitted your defence to the claim ( which again still contained the incorrect address) but you sent it to the wrong Court...Salford instead of Bradford...Salford stated they would forward it on which they did but by this time Bradford had already awarded a default judgment against you.   The courts refuse to accept this as their error and the Judge states the CCJ stands and refuse to take responsibility for their incompetence.   Now its for you to submit an application (N244) to request a further set a side at your expense...even though they promised to correct it even though you did send your defence to the wrong court.    You could make application without hearing which only costs you £100...given at the last hearing the Claimant did not attend and you dont necessarily have to attend and have it decided on " Papers Only " ...(no hearing)   Should you decide to do this you must ensure that the court has your correct address and no further documents are served to your work place.   Andy          
    • Of course, Ebay is just a cheap advertising medium. If you want rogue sellers try Facebook, it’s full of them, Ebay is prestige compared to FB. 
    • Ok, it's been suggested on several threads to take the company infringing the gdpr to court without giving them a chance to settle a nominal modest sum (£25/£50). This to make them accountable for their failure to follow the law and i am all for it, however I don't know if that could backfire. Hence my question.  
    • Of course there must be a couple of good ebay car sellers, and surely they don't rely on ebay to make a crust.
    • Lets keep this on topic chaps and stick to practical advice...not opinion   Andy
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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rosebloom

Swift advances how can 10k go to 60k

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How is this possible its an unregulated debt, thats risen to 60k today came the letter of you have 14 days to get in touch this was a second charge any ideas what to do

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get an sar running.

and read the recent swift threads the last few days

you are not alone


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You definitely need to SAR them and find out how a £10k loan which would have been regulated has become un-regulated.

 

Unless they are saying you re-financed at some point with loan above the £25k limit then the original agreement would be covered by CCA.

If you did re-finance then the circumstances would need to be investigated.

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