We took them to small claims court. They didn't turn up. The Judge asked lots of questions and then decided to find in our favour. In total this amounts to £700. This was just over a week ago. We've heard nothing since, no letter from the court or anything from the company themselves. We put the registered address we found on Companies House for them at the time of the claim. However there is an update address now showing on their website. I'm not trying to give can't details, but I'm not sure what else I can provide? We just want to know what to do next, as we don't have much faith they will pay up as they didn't even bother to come to court etc.

We took National Intensive Ltd to small claims court. Including costs they owe us around £700. The address we put in the claim was the registered address on Companies House because we were struggling to find an address for them. However yesterday we noticed another registered address now shows on their website. Do we need to update the court?

Thank you. Follow up questions. Because of the finance element of this she was threatened with credit score problems. Eventually we took them to the small claims court to claim back what she had paid as she never received anything from this company as far as service is concerned. The Judge found in her favour and she has a judgement now of several hundred pounds. Do we contact the company now by email and ask when we can expect payment or do we have to wait for the letters to come out?

Hi, Apologies if the incorrect forum, I wasn't sure where to place this. We won a small claim against a business yesterday. I know a copy of the judgement will be sent to the defendant but they seem to have two different registered addresses. So I have a few questions if possible. 1) Should we somehow let the court know we have found two different addresses and ask where this is being sent? 2) Are we allowed to contact the company directly and ask how they will be refunded us? Is it too soon? Many thanks.

Right to clarify, because I can't get my head around all this. Bumper have paid £835 to N.I. for the course. My daughter has paid - Deposit £140 by card A couple of weeks later she told N.I. she was cancelling the whole course. Told Bumper she was cancelling the whole course. No lessons had been undertaken and no test booked. Early September she tells her bank they start a chargeback for the deposit. But second payment is taken by Bumper. NIDS do not accept compliant but say they will refund expedited test fee and half the instructor costs. So due £225ish back to Bumper. Last week Bumper scared her about the chargeback. Her bank haven't given her the money back yet but because Bumper scared her into believing she could be sued or chased by a DCA she went and repaid them the chargeback money despite not having received this back from the bank. at the moment she is 3 X payments down and no money back from bank. do we tell the bank it's actually 3 X payments we need them to chargeback? Won't Bumper send in a DCA? Then what happens? Eventually NIDS should release the refund of £225 leaving £630ish outstanding, so how do we get this removed?

Bumper have said a chargeback would affect it though, so is this bullying tactics? She was worried she made a second payment. We can't seem to get anywhere. The intensive people said they will refund the test and second half on instructor money which amounts to about £225ish but that's about £600 she's fine at the moment for nothing. Does she need to keep paying Bumper if she's in dispute with N.I. either?

Signed up for both on 4 August. She tried through her bank and they seemed to initiate a chargeback but she was then told it should affect her credit rating. Citizen Advice just said as the address is a mailbox she cannot small claims court them. Which seems terrible.

She paid by debit card for the first payment.

I can find out this morning. I know that Bumper have paid the company the whole amount, my daughter has made the first payment. But the second one will be due shortly. It's over 6 months I think.

It looks as though they are exempt, it says Consumer Credit Act Exempt on her T&C documents. I feel like we are going round in circles with both companies. Not sure what to do now? She hasn't received any good or services from the intensive company and cancelled 48 hours before the first confirmed lesson, they acknowledged this but still paid the instructor. My daughter is £840 out of pocket

Finance company is called Bumper who seem to be a separate company. Thanks for your help so far.

National Intensive Driving Courses – National Intensive NATIONALINTENSIVE.COM Does this make a difference?

Morning, I need, I think, some legal help please. My daughter signed up for an intensive driving course and has had no end of problems. I think we need to go to the small claims but we don't know how or if this is the right course. The course was advertised at £450ish deposit and then £360 to the instructor, paid in two blocks, on the day after the first lesson and the second later. She took out finance through their credit company. had a nightmare trying to book up the lessons, the instructor allocated to her wasn't replying and seemed dubious. He kept asking my daughter when he would get his money rather than answer her questions. (Seems odd he wasn't contacting the company?) kept asking him where he was based to work out if she should do the course near home or her work, he wasn't answering, several times she had to get the company to contact him. Finally he said he would do the lessons in 4 blocks she replied saying could do the Friday (lesson 1), Tuesday (lesson 2) and Friday again (lesson 3) and that she would confirm final lesson when she had checked her calendar. She also asked in this message whether he could do the Tuesday of the first week. Ages later he replied saying he had two tests that day so could only do the evening. nothing more was said in that, my daughter confirmed on the system her first lesson would be the Friday (1). On the Tuesday he sent her a message saying he would see her that evening and please could she let the company know they were having a lesson that night. replied saying that they hadn't ever arranged this and would be at work and not be home in time for this lesson and could they stick with Friday. heard nothing. That evening he phoned to say he was outside the house, she said this had been explained and wasn't possible as wasn't home. He got angry and said he had spent an hour driving there in rush hour and would still charge her. She said it was never confirmed and had told him that morning NOT to turn up. Contacted the company and explained all this and that she no longer wanted to use them after all the messing around and the guy instructor clearly wasn't from her area, why had he been allocated to her? Contacted the finance company and her bank explaining what was going on to find they had additionally charged her £50ish extra to try and find her an earlier test but she had heard nothing on this either and didn't want to start the course and then find her test was months away. After chasing them up again and again she discovered 1) they paid him on the Wednesday despite this lesson not going ahead or ever being confirmed. 2) she let them know Tuesday evening prior to any lessons that she was making a formal complaint and cancelling Gradually we get half stories from them and she was told to speak to the instructor "like an adult". This is disgraceful. She kept copies of every message and email and is never anything other than polite. Also the amount that was handed over by the finance company is higher than the advertised price on the website and this was supposed to include a 30% discount from a code she entered. They agree she got the discount but said "you have to add on VAT to the amount online" ( it doesn't say this anywhere) The company take days to reply and have said all they will refund is the second instructor cost and the test money. Of the £840ish we assume this would only give her about £220 back. They won't confirm how much it all costs or how much they will refund. We sent a letter saying under the Consumer Act sections we require a full refund because the services haven't been provided properly but they keep ignoring this. Sorry for long message but please can anyone help?

I wondered this, do you think that's best? Do we still have a standard letter for this?

These chancers were sold my mortgage some years ago. I'm looking at my annual mortgage statements and have noticed quite a lot of fees are on there. Just a total figure so I'm not sure what they all are. At times they have been charging me for Buildings Insurance despite me always sending my policy to prove I have it each year. Eventually they give me all (or some of it hard to tell) back each year. But I think they add it to the amount due each month as total monthly payment due. As I pay by card each month, I'm wondering if this has ever affected my credit rating as showing I'm not paying my full monthly payment (by their rules anyway). I also don't know if they charge me interest of those insurance payments and if they have I've certainly never had that back. My questions then are - it's a crippling interest rate currently as not on a fixed rate and I'm desperate to reduce this. Can I claim anything fee/charge wise back? I think they have added other amounts to the outstanding balance as it's higher than the original loan, yes a small amount of arrears I'm currently clearing, but it looks as though fees might be in this balance too. How can I sort this? Also I'm not on this artificial Libor rate. I didn't agree to it and it's very high and climbing by the month. Was anything ever claimable about Libor rate mortgages after the Barclays thing? Sorry for long post.

Ah after a bit of digging on here I found an old thread I'd made about this which actually has more info than I remembered. So I was paying them but for some reason unknown to me at this point the DD I was forced to pay appears to have stopped and now they want money again. I could maybe afford £10 a month. Do I offer them that or just start paying it?

Hi Early 2018 a CCJ was obtained against me. I wasn't working at the time and going through some health stuff and they got the CCJ without me fighting it on an old cc. No enforcement until the past couple of months when they suddenly decided to start harrassing me to start up payments. Most recent email says they are thinking of moving to enforcement action. No idea why this has come out of the blue but with the cost of living crisis I barely have a penny to offer them. What should I do? I think it's possible I might have made some payments but this would have been some time ago. Could they be adding fees to the balance or anything?

I've seen mixed messages as to whether it's safe to go after current lending, but they sold the mortgage to my current lender, so presume this won't affect that. Do I start with a SAR? Assume I'm looking for arrears charges, any unagreed counsellor visits. Is there anything else?

I'm not hiding from any debt, I never said that at all? I've lived in my house for many years so any outstanding debt has my current contact details but some historic ones I haven't heard from in years. I just wondered if it is likely I will suddenly get an influx of chasing old debts if I get a credit score check done.

Ah OK, thanks anyway. In which case a follow up question. I had a mortgage with Future Mortgages which got sold to my current lender. There are charged on that one too. Could I go after Future Mortgages as I've never approached them before?

Hi, 2022 is the year for me to try and sort my finances, so I was wondering about getting a credit score check done. I don't want to be a Tin Hatter about this but is there any risk of old debtors suddenly chasing me of I get a credit check? I've heard horror stories but never sure if they are true. Also which company is the best for a free check. Thanks in advance

Had a Mortgages Plc mortgage some years ago. Probably 2004-2009ish. There were a lot of charges on there I believe. I did SAR them years ago and sent a letter asking for fees back but they said no and that this was the end of it. Would I be able to try again as it seems many have reclaimed over the past few years successfully? Many thanks

Thank you, that is really helpful advice. He paid Goods and Services. I have all the messages we exchanged. Hopefully it will be fine, I just thought it dodgy that he's already saying he will send back if he's unhappy before he's even got the book. Why not have those conversations first. I have another book to sell too and already have quite a lot of interest. So am I best sending extra pictures of the condition to each interested person and making it clear it is sold as shown in the pictures and I won't accept refunds?

Hi, I have a couple of books that have suddenly shot up in value so I have listed them on Facebook. One I listed as Offers because I wasn't sure what to price it as and included a picture and listed as "Good condition" The other I listed a price, listed as acceptable and put an extra picture of a small tear to the book. This morning around 9am a buyer messaged me, he didn't ask for more pictures or questions just offered me a price. I was happy, accepted the price. He paid straight away and I packaged up and sent Special Delivery as I just had an odd niggle in my mind about it. Not being a big seller on FB Tonight at 5pm he suddenly out of the blue said he hoped the book was in a very good condition otherwise he would be requesting a refund. Hmmm... I replied saying I had listed it as good condition not very good condition and that he had offered a price, if he had wanted any further info prior to purchase I would have happily supplied pictures or answered further questions. He's come back again and again saying I seem not to understand how PayPal works and if he is unhappy with condition he will get his refund. He hasnt even received it yet and he's scamming me I suspect! So what do I do? I looked an Abe books for their condition grades and a good condition book is described as average used worn book with no pages missing. Which fits my book exactly. In fact even their very good condition probably applies as that says no tears to spine and shows minor wear. Where do I stand? He also says he's seen it on Ebay for half the price now. So what? Isn't that just down to his own failings not mine

Thanks. I am just looking at their form online and it's horrendously invasive. Way more than I think the court form was. They want how many dependents I have (which doesn't take into account a child over 18 but in higher education so we still have them as dependents. It also asks and this I really dislike how much our house was at purchase and now etc. Can I refuse that? I'm also struggling to price things like dentistry, hobbies. Stationery, house repairs, vet bills, hairdressing. What on earth do people put as cost for those? Haircuts aren't a monthly thing for us and how can you budget for some of the others? I'm so scared the bailiff will turn up tomorrow. This is making me ill. I expect to pay back the debt but they are asking way too much and will not she any compassion that I was late due to a bereavement. I'm happy to set up a direct debit and pay off the debt but at a sensible amount as we are such low income. Could I also ask for help composing the letter? Would the following work - Dear Sir/Madam Reference: Earlier this year we completed a N245 form and asked for a suspension of the warrant regarding the above claim. We completed an income and expenditure form and offered to make a payment of £xx.xx per month, which we knew we could just about manage. We were granted a suspension but at a high figure which we did query but were told it was down to Restons to agree if we required a lower amount. At first we managed to pay the amount but in September our mortgage went up at the same time our benefits went down. The drop in income is now making it harder for us to pay the higher amount. I am writing to ask if it would be possible for the court to grant a further variation due to the above and return the amount to £xx. Xx per month which we believe is more manageable, pursuant to CPR40. 9A (2) and 40.9A(3b). In addition we received news that a very close relative was terminally ill and due to having to nurse them and deal with their subsequent death we were behind on recent payments. Although we have now cleared all arrears Restons solicitors have been granted the removal of the suspension. We would ask the court to???