I had signed up to arena digital to have a full screen advert in a builders merchants, everything was fine until December I got an invoice from them for £990.00. I told that I had paid all monies due, but unknown to me it was a rolling contract. this is where the problem starts, When you sign for the advert they don't tell you, you have to give 12 months notice, therefore if you wanted to only have one year then you had to cancel the same day that you sign the contract? I got a company called Parker Newbury chasing me for the debt, after agreed a payment plan and made the 1st payment, as I get 4 updates I decided to amend my advert, When I got to the site I found that my advert only covered 2/3rds of the screen, the other 1/3rd was being used by the Builders merchants. I complained to Parker Newbury who have now threatened to make my company insolvent any help anyone

Just to let you all know, the council have backed down and will let me pay the reduced fine of £25.00 Cheers Guy's

Hi Guys just to let you know the FOS have advised me to take the £35.00 per month for 7 years. as it says it is a reasonable offer. MH

Hi Ford, No there is nothing on the back the terms and conditions we on seperate sheets? Cheers MH

http://i1140.photobucket.com/albums/n576/mhill716600/tradeprocreditagreement.jpg Hi here is the Credit Agreement again, I hope it works Regards MH

Hello every one. Just a quick update, i had a meeting with the CAB Regards to Tradepro and explained that it was affeting my other debtors, they advised to me accept tradepros offer of £35.00 per Month for 72 Months as they explained that tradepro have been very clever by making this offer it would look favourable in the eyes of the fos. Any comments Cheers MH

Hi Rhos, I am not with them now i took advice from the CAG,and opened a parachute account, this account is with Payplan at present and they are paying them £10.00 per month, the account is now being handled by Apex? I am just wondering if the banks can increase your overdraft to cover their charges? Cheers MH

Sorry Banfodder the last Amount was in fact £2,710.00. MH

Hi Bankfodder, just had a look at my statments, I was reducing my overdraft by £50.00 per month, i got it down from £3,000 to just £1,000.00 but then started having money issues, this is when they increased my overdraft firstly to £1270.00 on the 04th June 2008, then £1620.00 on the1st Dec 2008,then to £1830.00 on the 8th Dec 2008 i started paying in monies to try and cover some of the costs, but was struggling when they then increased my overdraft to £2420.00 on the 15th July 2009, and once again increased it to £27100 on the 31st Aug 2009. I did not ask for these overdraft increases they were done so they could add THEIR CHARGES. I know it was increases in overdraft as it states at the top of the statments. Regards MH

Hello Everyone, I was with the Lloyds tsb and had an Authorised overdraft of £700.00. When there was not enougth monies to pay their monthly charges they increased my overdraft ( without my permission) dispite letters regards to my money problems they kept increasing the overdraft to cover charges, the balance is now £2,684.47. Apex have taken over the debt and i have sent letters but have had no reply. Any ideas anyone? Regards MH

Hi Guy's I have just recieved a letter from tradepro the refund they are offering if i accept their offer of repayments consists of a debt recovery fee and interest. MH

Hi, how do i enlarge it? Thanks MH

Hi There Godmother, i email copies of all the letters,offers and statments to the fos as and when i recieve them, these are emailed to one of the junior fos members who then send them up the person who is going to look at my file, I have been advised that it could take up to 4 months before they look at it, this being as it has been put up the ladder from a adjudicator. Cheers MH

It's ok found it MH can anyone look at this Application form and see if it meets all the criteria Cheers MH

Hi Guy,s how do i attach a copy of my Tradepro application form on to this page Thanks MH

Does anybody think i should do a small claims court letter? MH

Hi Guy's just to give you an update, i asked tradepro for a run down of all charges ect, this was on the 21st March 2011, i have not heard anything yet, and i have been charged another £60.00 in interest on a balance of £1,800. MH

Hello MARTIN3030, Yes the £700.00 was what i owed but the rest of the debt is collection charges and interest, I have asked Tradepro to sumerize what the £500.00 consists of and await their reply Regards MH

Hello Again Caggers, Just to let you all know, i have just had tradepro on the phone telling me that they will accept an offer of £35.00 per month Credit me with £500.00 of costs and reduce the interest to 20%, i have asked them to send the offer in writing as i only communicate through this method. I have worked it out that it will take me 7 years to pay this debt off, Any advise on what i should do please MH

Hello Every one, I have enclosed a letter that i sent to the FOS regrads to my Tradepro debt, Good Morning **** I have received your letter dated 4th February 2011 regards to the Tradepro offer, I disagree with what Tradpro say regards to only being aware of my Financial difficulties in June 2009, i had telephone conversations and sent letters going back to January 2009, the reason they are saying this is that i entered into an arrangement with Payplan in June 2009 and Payplan sent them a letter stating my situation. A Mr **** from Tradpro then rang me and explained that they do not recognize Payplan and that if i paid them £30.00 directly they would freeze interest, and look at reducing my debt by way of refunding some Collection charges, Taking in to account that they would carry on charging me interest if i went through payplan and that i would be debt free of Tradpro within 28 months i reluctantly agreed. I Carried on paying as agreed but on seeing that no refund of charges was being taken off the account i rang Tradpro who then informed me that they would not be crediting any charges i decided somewhat foolishly now to stop making payments. If i can resume paying the £30.00 ( this will depend on Payplan) will the interest be frozen. I have copied this email to *** **** who is my financial manager with Payplan and have also copied in tradpro so to avoid duplication of emails Kind Regards MH

They way i see it the 14 day period was up at 10:31:11 on the 16th March 2011, the 28 day period will be up at 10:31:11 on the 30th March 2011. I use the the reason that 1 day equals 24 hours, so 24 hours from the time the ticket was issued would be 10:31:11 on the 03rd March 2011 And so on. I called the council to pay the fine on the 16th at 8.30 (i have proof of this call) and was told that i was a day late? I am going to fight this, as i see that the wording on the ticket is poorly written and very confusing. would a court disagree that a day is 24 hours long? i would like them to explain their reason behined it if they did. Cheers MH My argument is that i have not been given the right time to pay.

Sorry i cannot send a copy as my scanner is not working at the moment but here are the details, Date of contravention 02/03/2011 Time of contraventio 10:31:11 Location Moorfields - l2 Vehicle reg ******** Vehicle Colour ******* Tax disc expiry ******* Observed from 10:30:28 to 10:31:11 A penalty of£50 is now payable and must be paid not later than the last day of the period od 28 days beginning with the date on which this PCN was served. The penalty charge will be reduced by a discount of 50% to £25.00 if it is paid not later than the last day of the period of 14 days beginning with the date on which this PCN was served. there is no metion that the times of the offence are not included in the 14 days and as in my 1st post as my ticket was served at 10:31:11 this is when the clock should start otherwise they are saying that the ticket might as well been printed at 12.01 that morning. ie they are only giving me 13 days and 13 hours and 29 minutes, as far as i am concerned a day 1s 24 hours long. Regards MH

Thanks for all your help guys's, I have just gone through my statments and it seems that they paid me back 3 x late payment fees in November 2010. but the fos have told them to repay all collection fees where i have made a payment in that month. this is why the fos are still involved and it has gone up to the next level. regards to the telephone calls i have been doing everyting by letter and sending copies to the FOS by email i have also included their statments. I have only telephoned them once since the account went in to dispute over 2 years ago. i will let you know what happens next. Regards MH

Hi There Cerberusalert, I have been back in touch and it seems that it is now gone up the ladder to the Adudicator but i have been advised that it will take time for their reply Cheers MH

Hello everyone, right were to begin, I had a card with a company called Tradepro, I am not a buisiness or builder but used the card to get materials when i was having an extension built,. I ran into to money trouble and made a few late payments of which i was charged £35.00 a time. Because of my financial situation i entered into an agreement with Payplan to pay all my debts at a managable rate, Payplan refused to accept Payplan and therfore carry on charging me interest. Tradpro told me that they would accept £30.00 per month,stop interest for a period and look at crediting some of my charges as i was having financial difficulties, I Explained this to Payplan and it was agreed that this was the best option. three months in to the agreement i noticed that no charges had been refunded so i rang Tradepro to see why they had not credited me any charges and they told me that they did not agree to this. I got in touch with the FOS regards to this and they up held my complaint, but tradepro have continued to charge me more interest than my agreed payment of £30.00 so the debt is getting bigger every day:-x I then put this debt with all my other debts in to my Payplan account. As Tradepro do not accept Payplan they are adding interest on a daily basis. So starting with a debt of £700.00 my balance of today is £1,900.00 and increasing by £60.00 per month. Can any one advise of what i can do next, i have tried to make an appointment with the CAB but have been told there is a two month waiting list.