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stuggling

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Everything posted by stuggling

  1. my landlord texted saying he wanted access to the loft as was wanting to fit an Ariel, I was ok with this and have prove that he said it will help prove my tv reception. today arrives and fits the "Ariel" well what can i say its 100% not an ariel and it is an telephone mass for EE from sigfox! Im fuming as it is plugged into my electric and I've contacted my landord for answers and nothing! what damage is this gonna do to the health of my family the house is already falling to pieces the electric needs rewiring, the windows need to be double glazed or the rotten wood replaced, the shower is broken, the guttering is hanging and yet this! Im at my wits end, any advise please guys.
  2. Wedding is not till 2019 and verbal nothing either I’ve emails of me requesting full amounts of what is needed to be paid etc, and of me asking for contracts and no response.
  3. Paid deposit for our wedding in 2016 for this year but for reasons out of our control we have had to cancel the wedding, here is the odd bit, we never got a signed contract, it has been changed over time to make it cheaper and never got a full price! Now I’ve cancelled it they refuse to give deposit back we’re do we stand please?
  4. Ive another thread about car finance with Specialist motor finance and they took the car on 31/10/2017, today i got an email saying i still owe £7679.96 Ive requested a break down of what that is, because im working out that it is not that much, on the last default notice says: balance outstanding 14,234.24 less allowable rebate 5720.32 total amount to be paid 8513.92 when i work out the car sold in auction for 5642.00 and im under impression because on default notice it states we shall allow credit to the Balance outstanding (i) for the statutory rebate calculated on the balance outstanding at the time of the actual payment by you and (ii) if we have taken possession of the goods and sold them, for the amount equal to the net sale proceeds received by us after deduction of the costs of repossession and sale. (above amounts are on the default) i must be miss understanding the information if so, i can not afford to pay them anything as we do not have anything! the email says if i do not respond by 23/01 then they will start litigation process which will put my personal assets at risk with enforcement proceedings. im trying to get through to national debt line to help but no luck so far.
  5. well they took it on 31st October! claim default notice was still liable! sold car on 30 november for £5642 and to deal with 4point financial services, ive now involved the finical ombudsman services.
  6. I will get on to this now thank you, they have already started to take the money nearly £60 was missing from last payment when I called that's what they told me (above)
  7. We are currently not working anymore get income support for a social fund (£75) from 6 years ago they are claiming 16.98 per week, and for a payment up front (62) 11per week this works out as 27.98 per week, this will cripple us taking that much from the benefits, and when I've asked them to look again they say you can't appeal against it
  8. Thank you I will contact shelter tomorrow, just feel worn down with it all out in a claim for a become support and signed everything last Monday and the office I signed at only sent the forms Friday and the office that should have received it has not and told to call Friday to see if they have it.
  9. It's not as easy as letting the car go as it's essential to us but if they try again I will be letting them, we have not heard from them since this
  10. I don't get What you meant above, yes I've had cars in past and had advice on here in regards to them but I have posted all agreements here to show everything. The default notice was paid on time and since then a payment has been missed and a person tried to clamp car without notice etc. I just don't know what you want me to explain
  11. The other cars have gone as had payment boxes on them, this car was got when I was working full time till employment ended partners job started this year then ended September this year. default notice was paid within time frame no other notices received, then someone comes out telling me taking car away.
  12. My job ended in September but I've not received my p45 after explaining to council they have bank statements and still say no, I've tried to get my p45 of employee but they didn't report me as a leaver till October so won't get p45 till novemeber. My landlord obviously wants his rent and I'm struggling to pay it each week as job centre sent my income support claim late, I'm devastated as we may now potentially be given an eviction notice. Any advice as to what we can do ? Thanks
  13. No recent default just the one dated30/06. Which they have admitted has been paid and on time. Yes it's on file but again default for 30/06 but no update since. They have also told me they will accept part payment but I must pay more then I can afford.
  14. True, may just look into that option I'll get all my paperwork together and go from there
  15. I know I would love too, but with a disabled child the car is vital to us and for work. We are looking forward to being in a full time permanent job to save for a basic run round to do is.
  16. I paid by 16th July for the DN, couldn't do 180 a week as they said no and to do 80 pw, which I did but have not had any income since start of sept as both jobs were temp and contracted ended now awaiting benefits to start, but I'm due to go full time from 28 October. I have on a few occasions tried to reason with the but nothing I offered less then the monthly payment just till we could get money back on track but they won't allow it. Got all proof the DN was paid, car is now up drive way.
  17. Wouldn't allow payment card just to go bank and pay into their account, can't do cheque as do not have them. This company are very hard to negotiate with, won't accept anything less that what is due, which is understandable. DN was paid in time, I do have this proof. I'm going to issue a time order just till we back on our feet
  18. I know I'm just worried he just clamps though you say he can't I have a feeling he will try it when out and we can't get it removed,
  19. They didn't clamp today as I proved him wrong and then he said if don't pay etc will call out and clamp during week
  20. I'm in a state of panic now, the car is vital at moment. He just gave me his name and said to call them tomorrow or he will be out to clamp it again I'm just filling in forms now for the time order
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