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    • Mitigation is used as a plea for leniency, how can you mitigate something you have not done wrong?  I wouldn't use it as a term in a WS as it might give the judge ideas that you are admitting to something.
    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
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BT Sport - not cancelling

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Hi Everyone!

 

Am hoping for some help regarding the following issue. My suspicion is that to go further would likely cost me more than I would recover so if that is the case just let me know. But hopefully someone in here will be able to give some advice to help.

 

Back in the summer of 2013 I took out a BT Sport subscription package. A couple of months later I got a job offer in a different town so I cancelled my Sky and BT Sport at my address knowing that I can get a good deal at the next place. In October I moved into the new property, booked Sky and BT Sport and everything was great.

 

However I was an idiot and didn't properly check that BT had cancelled my initial subscription. And hence it was only in February last year when I moved house again and went to cancel my BT Sport that I realised my account had 2 direct debits from BT Sport. This came to about £800.

 

I had noticed that I was being charged by BT Sport when checking my account but because the charges were around 15 days apart I never saw that it was being done twice a month. Also I did receive emails from BT about my account (& adverts for things) but it was only for one of the two accounts.

 

I raised this with BT and asked that the account that I had asked to be cancelled be refunded to me. They refused and offered me 1 month's charges as a good will gesture. Needless to say I was not happy with this.

 

I requested a SAR which they complied with. It showed the information for both accounts. Weirdly the first account was dated to have started on the 26th September (10 days before I was due to move and 10 days after I had put the deposit on the new lease). I explained to them that this could not be right due to the circumstances, but they said that's what their data said so it must be right. There was no information regarding me taking out either account, and the only correspondence in the SAR were the recent calls I'd made after I had found the mistake. To me it felt a lot like anything more than a year old was no longer on their system.

 

As they were not willing to go further I contacted the Ombudsman service about it. I have the full story if anyone is interested but to cut it short they saw 100% in favour with BT. The first response I was really unhappy with because they made a number of factual claims that were completely untrue (like they said I should have noticed because I was getting emails for both subscriptions which I was not and never said I was). But their point was basically that I should have noticed so BT are not doing anything wrong in not paying it back, and because BT have no record of the cancellation then I am not entitled to any refunds. They completely ignored everything about BT saying the account started after I knew I was moving and had cancelled the Sky subscription to which the card was linked.

 

So it feels to me now that I go small claims court. I'm happy to go into mediation as well. The problem is that I am worried that I will either have to hire a solicitor which will cost me more than I am looking to get back, or they will just use their solicitors to tie me in loops and then force me to pay their legal expenses.

 

So, worth pursuing? Or chalk this one up to a learning experience and curse the name of BT forevermore?

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was this by DD?


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was this by DD?

 

Yes :)


 
 

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well surely the DD guarantee comes into play here?

 

go get all those payments back, there was no active DD for that contract


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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