I have 2 defaults on my credit file TheyBritish gas set up an account in my name at an address i didnt live at. They sent me a txt message and i asked them to stop the account being set up as it was not me. however it seams that they not only set it up they also now have registed a default against my name for not paying it!!!The 2nd is from a company i have never heard of and deffently never had a credit agreement with. What should done do?

yea that was my idea but i didn't want to do it if their was a limit. Thanks let war begin!!

Carole Nash have sent out a mail shot and it is advertised on their site that they GUARANTEE to beat the costs of insuring your car and bike separately My Bike is insured by them so ive just had a quote of my car the best quote is £600 but their quote was 1300. THAT'S NOT £50 CHEAPER!! I have asked them to explain and i will publish the explanation on here for everyone to judge. Im annoyed cause i've spent minutes of my life on the phone to them for no reason.

Hello peeps I know I haven't had and PPI in the last 6 years but I also know I had 2 loans with it about 10 years ago. Cab i still claim - i know i didn't need PPI cause i was in the RAF kinda hard to loose your job.

I have been playing pool for a social cub for a year - it has run in to difficulty having run bars before I said I world have a look- speaking to the baliff he is staying that the club does not own any assetts which he can seze so he will hand it back to the HMRCHe says the HMRC are looking to bankcrupt the committee members to pay for the debt?? can this be done?Any idears?

top work ill have a look thanks

Of course it wont work its not the point really. Its just showing how little we all mean down here and if you think any different then im jelous. What are the odds of the dicision going our way honestly. It would cost the banks and in turn now the goverment millions/billions. it would bankrupt the country. The mess is farcical caused bu the people behind closed door and will be handled by people behind closed doors.

well i dont know about you all but im fed up now. I need to find a good bank one that will take me with a bad credit history. I dont want fancy cards or an overdraft. I just want to be able to pay my wages in, pay my dd out and save a little for when I go away.(not inside) If I make a mistake I dont mind paying a bit for admin but i dont want to be screwed. Can anyone find me an account? If we find this account about 90% of the country will open it... HELP PLEASE.

Please allow me to sum up..... The banks are charging us causing hardship and distress we fight back and are blocked by a government institution which is "Helping us". This institution takes so long, the banks stuff up the whole economy so the gov has to use our money to bail most of them out! As punishment the chief banker who caused most of the problems for his bank gets told off and sent home with a £703000 a year pension. we are now faced with the situation of the government sueing it's self! I lost my business due to this mess. Yesterday I was 12p short on a cheque and have just been charged £35. is that about right? anyone else feel a bit bitter over this? The soloution. Have our gov get some balls, force the banks it controls to lower their charges. The others will follow along as soon as people start leaving them. Once this has been done stop the action and use the money saved on both sides to pay back the charges to the people. Simples. what do you think?

I was just taking over an existing phone line bt did no work on the line. i even have the same phone number as the previous occupants!

I have recently moved house I phoned bt and asked for a phone line. a week later i found that another phone provider was alot cheaper:-D. I phoned them and they agreed to sort everything out. I recived comformation within 2 weeks of me contacting bt. Recently bt Have sent me a bill for the term of my contract:eek: (12months). I was under the impression that I had 14 days grace from the commencement of my phone line:???:, am i right? any help or direction please. i never recived or signed any contract. thanks people buck

the difference is over £400 so moving its not an option i think i may just try to sue them i may not win but at least ill have thesatisfaction the case will probably cost them more than the 175 quid they owe us.

Distance sale? it was booked over the internet.

My wife's friend has just booked a holiday she wanted to go at the end of this week but booked the wrong month. Upon noticing her mistake she phoned to change it/cancel it and they said they needed 40 days notice for a cancellation- however it was only 35 days before when she booked it! Any ideas how to get our money back?

everyone use to get to court well usually the steps

from livley lad to, i can remember whien he was new in the cag oh them were the days....

thanks

any one got the address for HSBC claims

make me happy did you send a prelim or an LBA letter? if you dont know the difference look in the templates

well its seams its all go.DLA are now involved in my case. interesting i see there has been alot of talk about this. has any one been taken to court by these guys? they are trying to get my case in to the multitrack even tho its only £3300 they are saying it is a complicated legal issue, cant see how it can be all they have to do is show how they came up with my erc and why they sent me 2 different ones. any way i thik they want the multi track so shey can claim costs and scare me in to quitting. bit i have no money so they cant take it! hay ho lets see what the allocation hearing brings.

good thread bud. nice to see how you are going. did you use the new AQ when you sent your AQ in? good luck buck

i know what you mean there you can almost use the template as is. did you ask for standard disclosure for actual liquidated dammages?

Paul would it be ok if we came up to the court to watch. were only in notts. if you want support. i wont be offended if you say no.

HI again its all going off here the AQ has landed with BM's defence now i thought that they would put a really good defence but to be honest i was rather dissapointed. basicaly they said cause its in the contract you signed its legal so there. and we all know just cause somthings in a contract dont make it legal- see several hundered bank charge claims. bit strange but if thats all they have to offer then so be it ill not complain. ill ask for standard disclosure in the AQ lets see if they can prove that 5% is an accurate estimation of their losses.

or he's on a beach somewhere hot and doesent care cause he has a suitcase full of used notes next to him and 15 lap dancers doin their thing in frount of him- i know the cag would be the last thing on my mind. hummm lap dancers er sorry