Pointless sending a SAR to a DCA, they hold very little information & you will get back a couple of A4 pages for your tenner, you always SAR the Original Creditor. However as it is Pastdue ignore as they have little to no power and rely on the debtors lack of knowledge for their sole existence. As pointed out above it is Statute Barred next year so ignore the letters, the chance of a CCJ is slim, however if one does come then post back here where help to defend will be given. Did you inform the Energy Company when you moved out? Stigman

You could appeal to the Traffic Appeal Tribunal Service, I have had a quick look to see if you come under the Compelling Reasons that you did not submit your full evidence and that the Council photograph was photographed from a position where the punture was not shown (however, the leasing Company of my car only takes a photo from a certain angle and not all the way around so this may also be the local authorities procedure). The appeals process is explained here https://www.trafficpenaltytribunal.gov.uk/before-you-begin-your-appeal/ You will though need documentary evidence as to the purchase of the tyre weld and also why you did not change the tyre either through medical reason or the spare was also damaged and therefore could not be fitted. If not, sorry but pay the fine & chalk it up to life. Please do not pay the fine on principle because the local authority will go to Court and then Bailiffs and further fines will be incurred. Stigman

Unfortunately no, however the adjudication officer could of at their discretion made you still pay the reduced amount. Can you please post your details of what the offence was & what was your basis of appeal? Stigman

I do not understand why they turned you away due to personal reasons, if you no longer reside within the borough that the Charity operates then they have the right to refuse you. It seems to me that they have been more than accommodating in the past, but have now declined you not for personal reasons but because of budget constraints means that they must now solely concentrate on those residing within the borough. I am a trustee of a Charity and our goal is for people within our locality. I would suggest doing either an online search or go to Citizens Advice where you can be put in touch with a Charity in your Borough that you now reside in. Stigman

It's not only if any PPI was added but any illegal charges (for example charges for telephone calls or letters). If you do not have your original agreement or the statements, you will need to send Provident a Subject Access Request to obtain these, this will cost £10, a Subject Access Request letter is in the templates section. If you have had multiple loans, include all of the agreement numbers on the Subject Access Request. Do not use any reclaim Companies, you can do it yourself for free, if you need any help in this just ask away. Stigman

International Airlines Group Mr Willie Walsh Chief Executive Email willie.walsh@iairgroup.com Telephone 020 8564 2800 Switchboard 020 8564 2800 Website http://www.iairgroup.com Postal Address 2 World Business Centre Heathrow, Newall Road, Hounslow, TW6 2SF Stigman

Your friend should have paid for the shop to do an independent inspection, if this inspection proves that the failure is down to a manufacturing defect then he could have had the TV repaired as well as the refund of the inspection report by the TV's manufacturer. If your friend just authorised the repair and no independent inspection report exists prior to the repair then i feel it is highly unlikely that any Court claim will be won. Stigman

As long as you keep up with your monthly minimum required payments as requested and also that the Credit Card account is not over the limit applied then it should show as a circle with a green dot. This means that the payments are kept up to date and made on time, if the circle has a red dot within the circle then the payment is showing as late. The exact payment history will not be shown to other creditors but your history of making payments on time will be. Stigman

They can increase the prices while you are within contract, however as long as you give notice to BT within 30 days of receiving the email, you can leave BT with no early release financial penalties. Phone them up, go through the endless options, select leaving BT, and if you want to stay haggle for a new & better contract, if not take your money elsewhere. This only applys to phone/broadband and not to any TV contracts like SKY etc. Stigman

You don'y send a dispute letter anymore. If you sent the CCA request to whoever was chasing at that time and they have failed to reply then you ignore all future contact except for a claim form. You can also legally with-hold future payments until they comply. What is the date of when you took out the debt? Have you claimed any PPI (if applied) or any unfair payment charges? Stigman

Whatever you do pay in future drop it to £1 per calendar month, your on limited income so therefore you pay only the nominal amount. Robbers Way will kick off but let them, do not ask, you tell them that the payment is dropping to £1 pcm, make sure that you tell them in writing as well, never phone a DCA. If any DCA phones you, you have no legal obligation to speak to them, refuse to go through DPA and hang up. As to the £300 Credit Card debt, send Robbers Way a CCA request to stall them while you either go through statements or Subject Access Request the Original Creditor to reclaim against charges and any PPI. Stigman

No time limit to claim, Get all of your statements and reclaim all unlawful penalty charges, see if any PPI has been added and if it has claim that back to. As I said in my previous post, as the debt has not been sold, any monies claimed will come off of the balance and if over your debt amount any outstanding monies will then be returned to you. Stigman

Hi, First of you only ever deal with a DCA in writing, DCA's will say all sorts of things to you on the telephone but will never back it up in writing. If Moorcrap rings you, then you refuse to go through DPA, hang up & continue to enjoy your day. Have you had the CCA checked that it is enforcable? If you still have it can you remove your personal information and account numbers etc and post up please. If you do not have it then re-CCA once Moorcroft send their first letter. You said you were on a limited income with other creditors, if all you can afford to pay is £1 per calender month then so be it, Moorcroft will threaten Court but because they are collecting on behalf of can do nothing of the sort. Because this is a Credit Card, have you claimed back the unlawful charges and checked if any PPI was ever applied? If you have all statements great, get calculating and reclaiming, if not then send Halifax a Subject Access Request, enclose a £10 postal order and then go through all your statements. Because the debt has not been sold, any monies reclaimed will go off of the balance owed unless the reclaiming is greater than the current balance. Stigman

When you say "You've seen them off", Does this mean that the DCA has handed back to the Original Creditor or closed their files on you? If this is in 4 hours was this done via email? If done over the telephone I am hoping that you have recorded the conversation? Stigman

Has the retailer told you what the tolerance levels are and can back this up with documentation by the supplier? I would send one more letter, if no joy then letter before action and then an Online Court Claim. Stigman

Does this include if any Searches have been made? Stigman

Hi, I know that this was caused outside of your OH's control but unfortunately it is a true reflection of your OH's financial history. The Credit Reference Agencies only place on your OH's file what they are told to do so by the Original Creditor. Your OH can place a Notice of Correction next to the late markers as to why so any future lender would have to read the Notice of Correction and take it into account when accessing any future lending application. If you need to complain then it needs to be to your OH's Bank/Building Society which held the Overdraft Account. Stigman

This is unfortunately another example of why the TV Licence is not fir for purpose. Technology has changed and advanced to render this dinosaur of a revenue maker to the scrap heap. The BBC are frightened of change, frightened of the technological advances that they have no control of so in their minds everyone who does not own a TV Licence is therefore liable to be harassed. Just think though, every letter that you get through the post is a little less money Capita are making in profits. Stigman

Wescot know full well that they have to pass the CCA request on to HBOS. Because Wescot are collecting on behalf of then they can do diddly squat regardless of a CCA so ignore them. CCA HBOS, I know you have requested an SAR but this is the only document that you are after and if they cannot produce then stop all payments. Once you get the SAR, get reclaiming but do it yourself for free, do not use any Company! Any questions, just ask. Stigman

Your Credit Card Company is jointly liable on a transaction over £100 (& under £30,000), go back to your card issuer & insist on a Chargeback. Stigman

Hi, First of all with that many payday loans I would be going down the irresponsible lending route & looking to get these debts written off or what you have paid refunded. A Link here to a Cagger who won against irresponsible lending... http://www.consumeractiongroup.co.uk/forum/showthread.php?440602-Payday-Express-txtloan-irresponsible-lending-complaint-**WON-COMPO-from-both** All charges can be either reclaimed or used to offset the balance. Stigman

Hi, Don't Subject Access Request MMF, all you will get back is a couple pages of worthless printouts for your Tenner. You only ever SAR the Original Creditor. Place a notice of correction against the Default. Have you had any letters at all from MMF? Have had a payday loan in the past? Have you moved address in the last few years? Stigman

They can legally pester you for a statute barred debt until you tell them that the debt is Statute Barred, once told they have to stop all correspondence, if they do not then you can complain directly to the FCA. A Statute Barred letter is in the Library. First thing to do is check your credit file just in case anything has been added. You can ignore everything except a claim form, laugh when they ring unless you block them and periodically receive some free hamster bedding. Stigman

You need to write back once again that the damage was called by the contractors and you will not be giving them permission to use your land for the adjacent properties works until all repairs have been carried out in full to your full satisfaction. If the Council refuse, you may have to get an independent surveyor in and use his report, unfortunately this will cost you but if proved that it is the Councils contractor has been at fault then you can claim the cost of the surveyors report back. Stigman

The telephone number is Vanquis Bank. When was the last payment or written acknowledgement of the Loan? If over 6 years (5 if in bonny Scotland) then the debt is Statute Barred regardless if settled or not. Might also be worth having a look at your credit file (Clearscore & Noddle are free), see if anything has been added or if they have searched your credit file. Stigman