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    • Just imagine what you could do to these politicians, after 'illegally parking at a political rally, and after immediately admitting guilt and agreeing to pay the small discounted fine.   Well Rees-Mogg, Me and this baseball bat are making some good use of my free pass.... You just wait your turn there while I serve some rough justice to Johnson first. Don't worry - Its all agreed as paid for.  
    • Thanks all for your replies.  King12345 I've come to the same conclusion unfortunately, which I think is a shame as I've always defended the police and placed my trust in them in the same way as I tend to trust the medical profession (i.e. they have the benefit of the doubt....they must know what they're doing etc.).  And all for a few quid (on their side.....self employment means I will lose much more having to attend the course etc.).   In terms of the spacing of streetlights that people seem to be focusing on, I don't know whether they're "correctly" spaced or not, but to be honest the street lights and their placement was one thing that lulled me into a false sense of security.....as I drove down the road I knew I was driving through a 40 area, despite there being no signs indicating this for a considerable distance.  Also my car has a speed limit indicator on the dash that was showing 40.  I stuck rigidly under that speed limit. So the fact that there is a streetlight configuration that is completely uniform running first through a 40 zone and straight into a 30 zone with just (in my view) an undersized 30 sign delimiter was in my view, far from being a reason to note a 30 zone and a required speed change, a major contributor to me not noticing a change in the speed limit until it was too late.
    • No I didn't record the call, however that's an interesting line of thinking that I will tuck safely away in case a similar situation arises elsewhere at any time ... thanks.    
    • Ah I see, I assumed email would be best so I had a log of everything that was said. Would you reccomend sending Harlands or CRS the letter as the debt was with harlands but its CRS who are now chasing me (on the CRS email it says they are a trading name of harlands so they see to be the same company). Do you have any template lettrers that have been sent to them before?
    • Yup the bailiffs can't do squat, but if the OP tries (remember he has nothing to lose) and the council see him as vulnerable, then all fees will be removed too, as what happened to me.   It's not in any local council's interest to push someone on benefits over the edge,  and behind in their rent because they will only have to pick up a much higher bill for re housing a family.
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      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....
      • 14 replies
    • 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/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies

Backdoor CCJ - TM Legal Services want I&E by phone

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I am looking for a quick but if advise regarding a CCJ TN legal hold for an old 1st stop payday loan


I suffer from bad anxiety and have told TM legal a number of times that I will only communicate by email or letter as I cannot deal with things on the phone.


They requested I done the income expenditure form which I did and they said that I would need to deal with their specialist team as my disposable income was low and to email them if I didn't want to call.


However I am now getting emails which say the following


"As the County Court process has been initiated on your account, you are required to contact our Litigation Department on 01253 531 016 to advise you of the necessary steps on resolving the outstanding judgment"


My question is am I really required to call them as I have told them no end of times I won't and want all communications in written form and they are fully aware of my mental health. It just really feels like they are trying to bully me into calling and have no regard for my mental health or wellbeing.



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no you are not


so you moved an asset/TM got a backdoor CCJ at an old address as you didn't inform 1st stop of your new address


not really a lot you can do about it


but 1st go get your crdit file

then when you have the CCJ number


Don't go panicking by paying or ringing them


Call northants bulk and ask for a copy of the claim form and the CCJ by email PDF


When you have them

Comeback here and tell us the details


Thread title amended

Edited by Andyorch
Added ...Thread title amended





1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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