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    • Suspect that the claim may need to be heard in HK instead of the UK as you are no longer resident over here.    Let the guys come along and advise.
    • I sent one to Together Money- who are Blemain I believe?  Unless there's another address ? I sent one by post to the address on the Together site...
    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.    I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010.   There is a difference with my case, however and I need some advice.    I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday.   There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this:   1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad”   2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess)   3. If I do that, should I send the three forms separately or together?   4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.    I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK?   Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
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Wasn't quite sure where to plant this!

 

 few months ago I missed a payment to payment assist.

I emailed the other day to confirm I will make the payment at the end of September.

I am however refusing to pay the extra charges they have added.

 

Now do not get me wrong maybe a £20 penalty I understand but these..

 

The original missed payment is 88.31

 

These other charges I have said you are more than welcome to take me to court.

 

Below are the "extras" they would like to add.

 

Can I just ask if anyone thinks a letter is worth £40!

 

Just to add, the initial email I had was saying the potential of ccjs etc and my name being sent to publications regarding the court action which over 88.31 I thought a bit over the top to threaten in an email

 

 

 

Missed payment fee - £40.00

Letter Fee - £60.00

Chargeback fee - £56.00

Admin Fee - £25.00

Interest £22.32

 

 

 

 

 

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What is payment assist??


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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You have work done on a car and you pay 25% then the rest in three other payments interest free.

Edited by Terminalpigeon

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Penalty fees are unenforceable yes

refer them to the fca/fos rules/guidelines


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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Payment Assist’s offering is one that was designed for the automotive sector. With an intention to ease the burden of the unexpected bill that you may have when your car is taken into the garage for a Service or MOT. Whilst you may be budgeting for the cost of the Service or MOT, when your car needs some additional work or parts, this additional cost can make a dent in your finances, sometimes meaning that the critical work that your car needs to make it roadworthy is put off until you can afford this extra cost. 

Payment Assist are here to help, spreading the cost of this work means that you can remain driving safely, whilst paying for the work over a 4 month period. The payment plan is interest and fee free* and is designed to support you when you need it most

 

https://www.payment-assist.co.uk/sectors.html

 

But just you dare miss a payment and we will hammer you in fees £203.32 for 1 late payment and thats how they make their money......steer clear.(no pun intended) :becky:


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If you want advice on your thread please PM me a link to your thread

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