This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Anyone got a number for Compucredit.....the one given by Restons is no good.

The thing is, I have never ever attempted to reclaim any PPI. Not once. So how have they managed to do this? And what are my next steps?

I have attached the letter... Restons.pdf

Had a bunch of credit cards about which I have defaulted on when I got made redundant in 2009.....can't remember how long ago the accounts actually went into default but it's a good while ago. Haven't made contact with any of them for at least 3 or 4 years, probably longer. Got this letter through the post today stating that their client, Arrow Global Guerney, has notified them of the PPI refund being applied to the account etc. The original creditor was Providian - Monument Credit Card. Asking me to contact "Compucredit" in order to obtain a refund.

I've had a letter from Restons Solicitors regarding a credit card account that has been in default for a number of years....Providian They say that a PPI refund has been applied to the outstanding balance which has satisfied the balance and left a surplus of nearly £2k. I am supposed to call them to arrange them to refund me the surplus. Is this genuine? Or a [problem]? £2k would be unbelievably handy at this time of year....but I am very suspicious as I have never claimed for PPI back from anyone.

Can it be a joint debt if the property that it relates to was never occupied by my wife? We were separated at the time and lived apart. She has paid her CT on the property she was living in for that period...so surely they can't then make her liable for a debt that never applied to her in the first place? I haven't sent anything to B&S yet.....only just managed to get onto their website.....tried to enter a different repayment schedule but they rejected it immediately. They want an immediate payment of £100+ then monthly payments of £125...... If they take the car, i will lose my job as i won't be able to get to work.......which means i won't be able to make any repayments.......and as the car is virtually scrap anyway....it won't cover the debt! I'm happy to pay the debt but need to make it for an affordable repayment otherwise something else won't get paid like the rent or this years CT!

Just had a letter arrive from Bristow Sutor stating that enforcement action has commenced over a £670 CT debt that i owe. £75 has already been added to the debt presumably for them sending the letter? They want over £300 a month in payments to clear the debt in 11 weeks......totally unaffordable for us. I'm married but the debt is solely in my name as it was for a period where we were separated and i was living elsewhere. I don't own any goods as such as the car is in my wife's name, and the house we rent is solely in her name but I am the main wage earner so I pay the rent etc. Obviously I need to contact them to arrange a more affordable payment schedule....but am I going to have problems when i tell them i can only afford a maximum of £50 a month? Really stressed about this......especially leading up to Xmas.....looks like my son is going without this year. I am planning to write direct to the Council offering an affordable monthly payment, and copy it to the bailiffs.....are there any template letters about for this? Also, really worried about the car....if it gets grabbed I cannot work, and then will not be able to pay anything!

I am going to see their paperwork later this evening, but afaik they rent the whole flat.

My daughter and her boyfriend are in private rented accommodation and having real problems with the landlord. The landlord repeatedly let's himself into the property despite numerous complaints from my daughter and her bf. Today he let himself in, told them to empty the living room as he was turning it into a bedroom and renting it out to someone else. He has also put a lock on the living room door and told them he will be back tomorrow to finish it off. Any advice would be great as CAB are closed. I have told my daughter to refuse entry tomorrow and I will be visiting the Police tonight to make them aware of what is happening as I think it is harassment.

Just had another visit.....this time i was in. Didn't answer the door or even respond to the knocks. Have had a letter put through which is a "Final Warning". I have been paying the previously agreed amount to the Council, but they are refusing to take the debt back. How long till the bailiff's get bored and hand it back?

I too was expecting the worst. Everything pointed to it, just simply because of the length of service.....but i didn't know quite how malicious the motivation was behind it! The workplace rep backtracked from the FB rapidly, which leads me to suspect she had been got at by the management, didn't say a single word in todays hearing. I shall do the appeal on my own, can't be any worse off!

Update: Dismissed today with 7 days notice, which i am not required to work. For "misconduct". However, the company have not followed their disciplinary process as they withheld paperwork from me that would have enabled me to prepare for the hearing. I have the right of appeal which i shall be using. Just not holding my breath!

Update: Things are now getting silly! Quick bit of background.....manager who is doing this has a long term partner who was also a driver at our company. He recently got sacked due to fighting in the workplace, and at his appeal evidence was produced from his Facebook page regarding threats he had made. This totally scuppered his chances of coming back. Was informed by my workplace representative before we went into todays meeting that manager who is pursuing this matter believes that it was me who supplied the FB evidence to the management! It wasn't, the rep knows it wasn't me because they know exactly who did supply it, and the senior manager on site knows it wasn't me. So, now we have my boss with a strong personal motive for revenge. This information was told me in front of a witness as well. The meeting: complete farce really. Didn't have any complaint in writing, all verbal over the phone. Wouldn't let us have a copy of her "notes" just read them out to us stating they were a record of her phone chat with the complainant. 2 phones, the first which pretty much supported my side of events exactly. The 2nd, apparently from today, supported my version of events to a point, but then included some alarming inaccuracies that are just totally untrue. Only asked me 1 question by way of investigation, which i had already answered in the report i wrote following the incident. Following my reply she stated that this was now a disciplinary measure with a hearing scheduled for Thursday! We did discuss my "performance" as part of the review, and my manager feels that 1 occasion of lateness, 1 minor adverse report from a colleague and no time off sickness is not acceptable for a 6 month probationary period! I suggested that when compared with the other 60 odd drivers at our place, it was actually pretty much damn good, she just said "oh well, we're not really comparing drivers!". I have since spoke to my rep (not union just workplace) and suggested that in light of the FB issue there is no way i want this manager anywhere my discipline hearing.....we will see where that goes!