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terry1

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Everything posted by terry1

  1. i have just recieved a euro car parks tickets for £80 it says that i was at lidls over the maximum period, this is the first i have heard of it, how do i go about appealing it can i ask for what proof they have that i was there longer then i was
  2. i put that all down, and got help today from the cab, i also shouldnt have to pay for it, what do people think the chances that i can get this ccj cleared,
  3. i have the form can you help me fill it out, i also have all the old letters i have sent and the copy of my dyslexic assment of needs. in the letters, i asked for a bigger double spaced copy of the aggrement, but i didnt recieve any copy, i asked for a copy of the aggrement 4 times beforei recieved a copy. i sent letters saying i wanted the ppi taken off. and the charges refunded. there are also letters showing that i informed them of the break in my spine, lack of work and lack of money and a offer to pay less. in question 3 it asks what order are you asking the court to make and why? what do i put and the evidence, what do i put?and what is the clame number?
  4. is the credit agreement the origional document, i was asked to sign?
  5. i dont cause i only earn £400 a month and my mum gives me £270 im have the paper work now, do i have to send in all the letters i sent off to creation, asking for things, and telling them my back had been broken so couldnt pay the full amount every month
  6. it came from greenhalghs solisters, i am sending it tomorrow i get my disability benifit tomorrow, il do the form when i get paid. as i think it costs around £75
  7. no nothing was sent recorded delivery, and likwise nothing was sent to me via recorded delivery. the judgement against my house was made last week, with me there, i have just recieved a letter from there solisters saying that until i pay the debt in full, the dedt will get £1.50 a day interest. creation have occured about £500 in charges against me. i have sent off a form showing that my income in greatly redused, since having back injery and diserbility benifit, i have requested n244 which is coming in the next couple of days. i have paid the origional sofas in full, all that is left is the amount they say i owe. what would you suggest i do now,
  8. i have a ccj from creation finance, even though i was paying a regular amount, i am dyslexic and asked for a bigger copy of the aggreament which i never recieved, every letter i sent to them never got answered. i have copies of all of them i slipped and broke my back and slipped a disk and was unable to work, so requested that i could pay a smaller amount, thats when they took me to court, the day of the hearing i was in hospitial, and so high on drugs for the pain i couldnt respond for quite a long time after. i have requested a pack to set the ccj aside, cna people please tell me what information i will require to help me i have now paid off the origional sofas, but not the interest which is £2000 any advise, i would like to either go on paying the amount i aggread, or to have the whole thing called off as i have paid for the sofas, and requested a bigger formatted aggreament which i never recieved]
  9. i did that but the insurence company say they informed me that it was inclusive of the vat, it wasnt, im requesting all information they have on my including any phoncalls
  10. could you help me compose a letter to send to rbs, i can put the dates and times and other detials in. im not sure how to compose it
  11. i have a question i hope people can advise me with last month the rbs took 170 in charges. this left me with no funds in my account, i had to go 3 days with out eating, whilst i got money off my mum, i phoned the bank and they got really horrible and went through the last 6months banking, which was very uncomfatable, in the end they said that there was nothing i would do , they didnt care if i couldnt eat or get to work(petrol) money, because i missed 4 days work i was down this month on wages. i would like to take the rbs to court because they have broken my human rights act by leaving me with no money to eat, and i had to starve. has this been done before? i tried reading through the human rights act but found it very hard going
  12. my house is insured with the RBS, i had a flood and my bathroom floor and kitchen was damaged, i had the loss adjusters out, she put the amount much lower then my builders had put, £2500 she said 1700, i disputed it and the next thing i get is a check for £2100, i phoned head office and said very clearly is this including the VAT i was told yes, and when i get the work done to send the bill to the loss adjuster and she would pay the vat. i sent the bill to the loss adjuster, i had to phone her to ask why the vat hadnt been sent to my builder she said that the 2100 was for full and final payment. even though they have the recording, the loss adjusters boss is sticking to her side of the story. i used my savings to pay for the shortfall in the insurence clame so havnt got the vat money i have requested all documents including telephone recordings to be sent to me, as i intend to clame the vat about £300 back can anyone offer any advise.
  13. halifax took 170 out of my bank account for 4 two pound paypal amounts, this left me with no money, and went 2 days with out eating as i had no money for food, i had to phone my mum for help. they have just done the same because the money wasnt in my account, they want 100 by the 1st, otherwise i will have more charges. because this is such a hugh amount of my wages, i am part time because i am waiting an operation. they wont concider paying it back even because of hardship. because of the halifax action taking my food money, is this an infringement of my human rights!!
  14. can anyone direct me to a template to request the origional contract! many thanks
  15. i have had some trouble with creation finance. the sofa i bought was worth 1000, i have paid 1100, and have reciently become disabled so am unable to work full time, i agreed a amount i could afford and now they are taking me to court!! creation finance are demanding 1924.55 which is the interest, they want to put this onto my house, i have recieved the statement which shows about 500 in charges, i have requested the copy of the origional statment and they have it. could anyone offer any adcise please!!!!
  16. i just wanted to know if this was correct action 2 years ago i settled out of court on overdraft fees, of 600, this covered the charges they had put on and took my ballance bellow the overdraft by 10p i started using the account again i have just been sent a letter today saying that because i went overdrawn by £5 i am going to be charged £35 fees +£28 overdraft fee. i phoned up they said that because i settled out of court that unless the fault was there fault they wouldn't stop the charges. so i am going to start again with the letters requesting my old statements and fees on my account to clame back are they right am i right?
  17. i bought a sofa at land of leather, i took the finance with creation finance. i lost my job 6 months ago and informed them i could not make the payments and offered to pay what i could , i sent 4 letter and didnt recieve a responce. untill 3 weeks ago from a ferm of solisters who have have threatened to take me to court. i have asked them if i can pay a monthy amount until i am well enough to get a full time job, the doc recons 6 months. but all the time creation are putting on the interest untill the dept has been paid off, so far the interest and charges is 1600, and going up at a rate of 160 a day. im so worried can anyone inform me of how i can get the interest to stop going on before i know it i am going to have to take out as loan to pay them please help me!!!!!!
  18. i have just graduated from university and only work 2 days a week at the moment and rent my spaire room out so have linited funds about 2 years ago i bought a sofa from land of leather there was problems with the direct debit they didnt take it i didnt have the money in the bank i havnt heard from them in over 8 months so forgot i recieved a letter saying that unless i repay the full amount of 2500 they will pass the amount over to a debt collection agency, there seams to be a lot of charges i cannot affords a lot of money a month please can you advise what the best course of action would be thank you
  19. the car was a mgf n reg 44000 miles, very good condition they are looking into it, by sending anothelr energer out, who will ring me . they said that if i cash the check it will not prejuious any further came, l
  20. i have done that already but they arnt listerning
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