Hi Long story but will keep as concise as can be. I am leasing a vehicle which required some work (impossible to remove wheel nuts to replace tyres - vauxhall dealership said previous owner had used the wrong instruments previously) I contacted the company for advice (first time leasing a vehicle, wasnt sure on liability) they admitted that after just 6000 miles I should not need to replace the tyres, and as a courtesy would take the vehicle and replace them. At no time was I told they would charge for this (or I would have done it locally) It was due MOT the same week which the lease company said would put through the MOT and bill me for the cost of the MOT. This all occurred August 2013. - this was done verbally. I received my car back with damage to the rear pannel, to which I comtacted them immediately to sort out. They denied everything to do with it and tried to suggest that they had noticed the damage themselves, that it was already there. Complete lies! A week later I received an invoice (rather, my neightbour did) for £290 which included the replacement tyres, removal of old tyres and maintenance plus the MOT. I contacted the company to dispute this and to also chase up on the status of my claim regarding the vehicle damage. They tried to suggest that an email had been sent to me outlining the total cost of the work, yet when I asked for proof of this it was clear that they had the wrong email address (although I had been comunicating with them via email the entire time I had been dealing with them for the lease hire) We disputed this for weeks and in the end I accepted their offer to waive the cost of the MOT and would pay for the tyres only. I asked for a new invoice (reiterating my address - and advising that they got it wrong previously) and I shared pictures of the body damage which was requested by the CEO to look into. - For 2 years I hear nothing, I pay myself for the body repairs via a garage and assume (stupidly) that common sense had prevailed. Bare in mind that I am still a customer, the car is outside my house right now, I pay them via direct debit £159 a month, so I am not difficult to find. 2 weeks ago I had a call from a collections agency chasing up the £290 to which I disputed based upon the situation raised above. They advised they would put the claim on hold whilst they investigate. They called me back today claiming that they are willing to take this to court and that unless I pay £490 (including costs) there would be a summons against me. They then re-read my file and advised that a summons was already against me, it was raised in August of this year. I advised that I have never received any communication since 2013, how can I be expected to acknowledge the summons if I didnt know it existed..? They threatened me with bailifs unless I pay £400 today to clear the debt. I felt intimidated and did this straight away with the aim of speaking with Citizens Advice afterwards to understand my rights and how to proceed regarding the vehicle damage which was never acknowledged. I was given I reference number by the debt agency and I called the courts immediately. I was advised by the courts that the summons was sent in August 2015 and as I had not paid within 30 days that a CCJ has been listed against me. When she asked for my details it became apparent that the address Hippo Leasing had given to the court was the incorrect address that they sent the initial invoice to. . it was the neighbours address of my previous address. I am not sure where I stand in this case. The lady at the courts suggested that I have grounds to set aside the CCJ on the basis that Hippo did not provide the correct address details for me , but that I need to pay the £155 to do this. She also suggested that I may be able to get the courts to enforce the £155 on the car leasing company as it is their error...? 2nd thing is if I have any legs with the body damage thing? I wish I had escalated it further at the time, but I gave them the benefit of the doubt (that they were absorbing the cost of the repair) so I arranged to sort the rest out myself. :-x Any advice welcome!

Hi All, I'd appreciate any advice on the below as I already fear it is going to turn into a messy debacle. I recently took up tenancy in a property on 17th September. I was informed by the letting agency that the energy account with Spark was transferred into my name (and I was welcome to change it) for dual supply. Yesterday, I received my first bill for 17th September - 1st October period from Spark energy. The gas meter serial number is correct and the readings are in agreement with the actuals. That's no issue. The Electric meter serial number in the bill is completely incorrect, compared to the electric meter serial actually in my flat. Equally, the readings on the bill are completely off from my actual readings. I have contacted Spark and gave them my actual serial number, which they claim is actually registered to to the address next door (separate building). They then say it has been an erroneous transfer from February 2015 and to contact the previous supplier Eon to sort it out. Also, due to Data protection obviously they couldn't divulge any details about what serial number and end reading the previous tenant had supplied for his term. I am now caught in limbo being passed between Spark and Eon, each claiming it is the other who have to sort it. Incidentally I had also arranged a switch to GnEnergy but have since contacted them and they have been very helpful in putting my switch on hold until I contact them again. Any advice where to go from here? I feel there is a massive mess brewing regarding the previous tenant/his meter serial/readings/billing. Thankfully the inventory issued by the agency at the start of my tenancy has detailed both meters with the correct serials, readings and even photographs so hopefully none of this falls back on me, but I'd like to have my facts and rights straight incase I end up having to argue my case. Thanks for reading, POTR

Hi, I moved into a new house in July 2014 which had BG as the gas and electricity supplier. At the beginning of Sept I changed supply to another company. Shortly afterwards I received my final bill which for July and August amounted to £308 for gas and £90 for Electricity. they wanted £400 for 2 months supply in a new build house. I queried this and they stated the meter readings were correct and somebody had been to our property and manually read the meters. long story cut short, they weren't telling the truth after 7 months of wrangling and speaking to 2x DCA, taking my complaint to Centrica and providing a photo of my meter in February (which was still way below there supposed read) they agreed there was a mistake. All good final bill adjusted to £120 for both + £60 compensation and still ended up with a £35.17 refund! Finally the end of the matter or so I thought... In mid April I contacted the bank to take out a loan for £12k. Over the phone they provisionally approved me based on their internal scoring system but declined me based on my credit score. I queried this and was advised to take a copy of my credit report to the branch. I printed off my Experian credit report and met with the adviser to go through the finer details they couldn't see anything array and eventually agreed to lend the money by turning it into a joint application and at a high interest rate (18.9%!). last night I checked my free credit report with Noddle and saw 4 months missed payment on both of my old BG accounts. whilst I was disputing the final bill with them they logged missed payments on both accounts until I settled in April. So two questions I have: 1) Will BG remove these based on the fact they upheld my complaint? 2) Can I pursue BG with regards to the higher interest rate on the loan? as without the missed payment showing I would have had a lower interest rate. Any help will be really appreciated Thanks,

Hi all I have received a date for a county court hearing regarding an outstanding balance on an old Welcome HP agreement. I bought a car on hp 10yrs ago but about a week later, the car fell to pieces and was returned to the dealer. They eventually provided me with a different vehicle but did not give me a new hp agreement to sign. So, the only agreement in place details the vehicle that was returned. There is no signed agreement on the new vehicle. I kept up payment for a few years but eventually came into difficulties and payments ceased. Fast forward a few years to 2013, application for CCJ received, which we defended and a stay was granted. Heard no more until now, received witness statement which says a hearing is listed. My main qustion is, can they enforce this as the vehicle on the agreement was taken back, they have confirmed this in their witness statement, The HP agreement says to terminate the agreement I should return the goods and the creditor is then entitled to half the total amount payable under this agreement. They confirmed the vehicle was returned and by the time payments ceased, I had paid more than half. Yes, another vehicle was provided but this vehicle is not on the HP agreement which they say I am bound by. Any advise would be greatly appreciated. many thanks

Hi, New on here - great site. Have read many threads on incorrect registration numbers captured to PCN that attached to vehicle. In my case the reg quotes number zero (e.g. 07) as letter O (e.g. O7). Discovered the error when logging onto the parking firms website and entered the ticket Id and my registration (correctly) and my issued ticket was not found. Looked closer and realised the number to letter error, typed incorrect registration and ticket was found on their system - of course proceeded no further!! Many threads on this site simply state ignore, cant find me as not registered keeper of vehicle of the incorrect recorded registration number. Again noted photographic evidence is not valid etc. I'm sure I know what the response will be - other similar cases have been discrepancies between 'X's' and 'K's'. Appreciate if anyone has seen similar instance to this. Many Thanks

This is about a water bill. I have neglected it but I can now pay off the arrears in one hit Court papers arrived today but with an incorrect surname - only out by one letter. However I would have expected a solicitor creating the papers to check they are all correct before issuing proceedings. now if I send the papers back to the court marked no such person at this address and pay the outstanding bill in the meantime can they do anything about th at (ie reissue papers and get a judgement)since it is their error and they did have never bothered to check their facts. This has been to various debt collection agencies in the past so surely they should have worked out their error before now

Hello All, some advice requested - please and thank you. long story short - Following SAR, I discovered that the bank had applied an incorrect rate of interest to a loan i took out way back in 2002 (i had thought the "extra" was due to PPI). After an amount of to-ing and fro-ing bank rejected PPI had been included. Bank argued re the "extra" monthly repayment amounts but paid £100 for distress and inconvenience directly into my account and advised me to contact FOS if not happy. Matter therefore promptly referred to FOS. The bank now agrees that the 16 monthly repayment amounts were incorrect and have offered to refund the overpayments ONLY with an additional £75 for distress and inconvenience. Question - is this offer fair and reasonable? i.e. no offer of interest % repayment- be it statutory 8% and/or other related and claimable interest...and on what substantiated basis could one put forward an argument for repayment? I have to respond to this offer within a matter a days and thus it would be marvellous to hear from you all in due course. Many thanks indeed.

Hi, I hope someone could advise me on what course of action to take with my problem with Vodafone. I have tried to provide as much detail as I can so apologies if it is long winded. I took out a 30 day rolling contract for a Vodafone internet dongle in March 2008, monthly payments were via Direct Debit. In June 2011, I flew overseas due to a family emergency. Unfortunately I lost the modem while I was there, called Vodafone Customer Services (UK) immediately on 08/06/2011. After the requisite security checks, I requested the person who took my call to block the modem immediately and terminate the contract with the understanding that the Direct Debit would stop automatically when the account was closed and any outstanding dues (including that for the 30 day notice period) were paid. This was confirmed to me during the course of the telephone call. (I also held a mobile phone contract with Vodafone at the time which ended in mid-2012, all dues settled.) I was recently declined a mortgage, incurring charges of over £1,000. When I investigated the matter further, I noted on the CallCredit and Equifax websites that my credit rating was adversely affected as the account was shown as being in default for an outstanding payment of £58 since March 2012. This came as a complete shock to me, as far as I was concerned the account had been cancelled on 08/06/2011 and all dues settled. On 18/03/2015, I contacted online Customer Support Line to address the matter. The person I communicated with simply told me that the account was in default for £58.54, and that it had been “cancelled on 26/09/2011 by collection agency due to non-payment.” and my details had been passed over to a debt collection agency. He gave me their contact number. I was told that although there was a record of my call to report the lost device, there was no entry of any instruction to cancel/close down the account. He also told me that cancellation requests needed to be sent in writing – something I was not advised of at the time when I gave a verbal instruction to cancel the contract when I spoke to Vodafone. (In any case, I would expect that a verbal instruction should suffice given the security questions that are asked at the beginning of every call to validate caller details and establish caller identity). Letters had been sent out to my address regarding the payments that were in default, but I have never received any such letters to date. I can also confirm that I never received any communication (mobile, e-mail or post) from anyone from Vodafone or the collection agency regarding this. I phoned the debt collectors on 18/03/2015 and provided all my details, including the account number, address, and date of birth etc. and a summary of the issue. They were unable to track down any records relating to my problem/account on their system and confirmed they had no record of a referral for debt collection purposes. They advised me to get back in touch with Vodafone to recheck the details. I contacted Vodafone Customer Services again on 19/03/2015 and spoke to another person, who again told me that the account was in default for £58.54, and that I needed to make the payment, while trying to circumvent the issue of the lack of communication from Vodafone and the resulting damages to my credit and finances. After a long discussion lasting for over 40 minutes (during which time I was put on hold repeatedly) she provided me with an e-mail address (quality.assurance@help.vodafone.co.uk) to contact Vodafone's Quality Assurance Department. I sent out the email with all the details above, but after nearly 3 weeks had not received any response. So I followed up with yet another call to Vodafone, only to be told by the person that no such email address existed. As advised, on 22/04/2015, I sent out a letter to Vodafone House, The Connection, Newbury, Berkshire RG14 2FN. This time, I received a phone call from one of the Customer Relations team (28/04/2015), assuring me that they would erase the error on my file and notify the credit agencies about the error (as I had requested in my email and letters to them). He also gave me a timeframe of 14 days, and said he would be in touch with updates. I never received a call update. A further attempt at contacting Customer Relations was stonewalled by the person on the chat line saying that there is no contact number to reach Customer Relations. I requested that a message be passed on to the CR person to call me back, but I have still not heard anything. On reviewing my statements, despite me cancelling my account in 2011 Vodafone continued to deduct payments from my account on a monthly basis until November 2011 (£20 in August, £40 in September, £61 in October and £58 in November.) Review of the terms and conditions of the “pay monthly” contract arrangements, it states as follows: “6. Losing your mobile equipment: If your SIM or mobile equipment is lost or stolen, you must tell us as soon as possible so we can stop someone else using it. You're responsible for all charges up until the time you report it missing to us. You must also continue to pay all the plan charges for the minimum period.” Based on this, I was liable to pay line rental and data charges only up to 8th June 2011, and plan charges of £20 up to July 2011 (30 day contract, 1 month notice period). These payments have been made. The other charges of £20+£40+£61+£58 (=£179) mentioned earlier have been applied incorrectly and should be refunded. I am really at a loss as to where to go from here as Vodafone is obviously ignoring me and not making any effort to resolve the issue. From what I have read online, I realise I am not alone in this. I am preparing letters to send out to the Financial Ombudsman and ICO offices, but I would really appreciate any advice I can get if there is any other option I can pursue to get the matter rectified and errors taken off my credit profile.

Hello All Please can someone provide some urgent advice. I am just about to apply for a mortgage and a mistake made by Volkswagen is affecting my credit score dramatically Around 3 months ago I purchased a new car with Volkswagen and used Volkswagen Financial Service to finance the vehicle After the first payment 18th I called to change the date of payment to 29th which was my payday. The following month the payment was taken on the correct day 29th April. Unfortunately the customer service advisor made a mistake and only changed the date for one month, VW subsequently took the payment again on the 18th May. I called to complain and had the money reversed. The customer service advisor said that they would collect again on the 29th of May. I checked my bank account on Monday to discover payment had not been taken. I immediately paid over the phone and raised an issue that is being dealt with by a helpful advisor. VW accept that it is their fault. Unfortunately the advisor is not in the correct department and is back and forth with the CR team about it. This last payment has now shown on my credit report as a late payment. My credit rating has dropped from Excellent to Fair I need to get this resolved in the next 48hrs as I have just had an offer accepted on a house and after getting an instant approval in principal I am really scared to apply incase I cause a massive spiral of rejection. Kind Regards Nicholas

I received a summons earlier this year for non-payment of council tax in a property I rent out, as the tenants hadn't registered themselves for council tax. That's not a problem in itself, a quick call to the council and the summons was cancelled. However, when I looked at the summons, I noticed the signature looked very familiar. The magistrates clerk who's signature had been used on the summons apparently has exactly the same signature as the best man from my wedding. Needless to say, I checked this with my best man and he confirmed the signature was identical to his, and that he could think of no reason why his signature should appear on the summons having never worked for the court or the council, although he had lived in the area. Perhaps this is just a remarkable coincidence, but I'm wondering if a mistake may have been made at some point and the wrong signature is being used, or if something else has gone awry. Anyway, the LA in question have confirmed that around 12k summonses have been issued in 2014/15 with the signature in question (and I'm waiting for them to clarify if there were any in previous years) , so if there is some irregularity then it could have significant impact. Does anyone have any thoughts how I might find out a bit more about the clerk and whether the signature is likely to be genuine? Would the clerk's actual name (the signature only has 2 initials and a surname) be covered under DPA or should the court provide that on request? Any other ideas?

Hello, I recently stupidly forgot to park my moped in the free motorcycle bay on my road when I went on holiday. It's quite quiet and I found I had been given 2 tickets on my return. I assumed I would have to pay both but the second PCN had the wrong road location - stating Arlingford Road which is the one parallel to mine. I appealed on the basis the PCN had been issued incorrectly, as I wasn't parked on the street the offence was deemed to have taken place. The rejection on my appeal came through today with the reason: "The photo you refer to was taken of the time plate for the location at which the vehicle was parked". This may well be true but I was not arguing the location of the time plate, I was arguing my moped was not parked at the location they stated. If I am to appeal again I have to wait for the Notice to Owner. What I'd really like your help with is whether I still have a chance of winning if I wait for the NtO to come through and argue the same case? I attach a photo of the rejection letter. Thanks, jimbo.

I attended Comer Business And Innovation Centre at North London Business Park managed by Secure A Space Ltd on the 19th of March 2015. On my arrival I attended the facility reception area where the lady on reception instructed and guided me to park in one of parking spaces available which was marked "Staff" and following on instruction given I Parked my car. I was even given a Visitor Parking Permit that I clearly displayed in the Windscreen After finishing and attending my car I realised my had parking ticket The Vehicle Registration on the PCN issued is incorrect however make, model and colour of the car is correct. I appealed this without mentioning my Car Registration on the basis that I parked based on instruction provided by receptionist and that she could be contacted if needed. However my appeal got rejected and I was given option to challenge it with POPLA. I want to ask very Important question: 1) Is this a valid PCN if it has INCORRECT VEHICLE REGISTRATION NUMBER? 2) Can it be enforced if I choose to ignore it? Any help would be highly appreciated

I had action taken against me by a bank for mortgage arrears and they took me to court and obtained a money judgement on a sum of money. They won and were given a Possession Order and MJ on the outstanding balance of the mortgage.. Included in that figure were a lot of legal costs many of which I do not feel I owe. Rather than be evicted I sold up and had to pay the whole lot so the Possession Order was never effectively enforced. However, the pressure they put upon us was very traumatising and that in itself forced us into selling our home of 15 yrs. My Question please: If I prove these legal costs were added to my mortgage wrongly as I assert does that make the money judgement incorrect and what are the consequences of a lender getting the money Judgement wrong, ie..what are my remedies? This involves a lot of money as I fought them so I am not talking pennies here, but they have manipulated the figures and just dumped them on my mortgage balance without advising me, I have obtained a breakdown of them and they were clearly wrong. I am not wanting to either go back into court or use solicitors as I trust no one after what we went through and as this is a self help forum wondered if anyone could advise me on how a)I can tackle this, b) what legally is the position with a wrongly stated money judgement after the property has been sold and the relevance of the court repossession order now dead in the water? Thanks Spot

vodafone has opened a credit arrangement on my credit score. i am up to date with all payments however the creeit arrangement is preventing my fiance and i from getting a mortgage. vodafone said they would not open the arrangement providing the outstanding balance was paid. I have had no luck with contacting vodafone and have been given the run around! Upon closing my account with vodafone they asked for a payment and said that if I did not pay by a certain time then it would be a default payment. All payments are up to date and the credit report doesn't reflect this. I'm still waiting for a reponse from vodafone and frankly, I am disappointed with the service I have received, having been told by a letter and over the phone that this would not happen! Something needs to happen immediately as I am applying for a mortgage. Can anyone help with this?

Hello there, This is my first post on this site and I'm on the hunt for some help please I have received many letters on and off from Lowell Portfolio about a debt to Shop Direct - a company who I have never bought from before. After ringing them up when I first started getting these letters, to sending a 'prove it' letter, nothing has helped. The information they sent me back shows someone with the same name and D.O.B birth as me but it isn't me! I did find a tag from Shop Direct on my Experian credit score which shows a different address, one I have never even lived close to. Experian removed this but still the letters are coming. I have in the past had fraudulent action on my bank account but got this sorted with the bank, I believe that maybe this is how the debt was run up. Please, any help would be massively appreciated, I want the letters to stop! Thanks

I purchased a laptop last year from ebuyer. At the time it worked brilliantly with no problems. However in November last year, it developed a serious fault that made it unusable. As the laptop was still under warranty, I tried to return the item to ebuyer for repair or replacement. While the company were quite willing to accept the item for repair, I had moved house since purchasing the item. Their website was quite unhelpful, as it did not allow me to register a new address on my account without making a purchase, and it also didn't allow me to enter my new address when processing the return online. I phoned their customer service team, who resolved the issue for me and assured me that my address had been updated. As expected, several days later a courier came to pick up the faulty laptop. I received emails etc. letting me know about the status of the item, and eventually one saying that it would be delivered early in January 2015. When the window that they had estimated for delivery had just passed, with no laptop turning up, I phoned the customer service team to enquire about the whereabouts of the item. I was told that my old address was still the one on the system, and that they had no record of the new one. The laptop had been delivered and signed for by somebody at a different house number, and at the time I was told that they didn't even have the road name. I asked for this to be queried, and got no response over the next two weeks. On phoning again, I was told that it had been delivered to my old address, and that the issue would be referred to someone senior. I received an email a few days later asking if I had asked for the laptop to be sent to my old address. When I explained that I hadn't, and had phoned to change my address when the laptop was collected, I received a further email stating that as the item was signed for and delivered to the address on their system, the company was not at fault and there was little they could do. I did not receive a statement of where the item would be delivered to at any point, and was assured earlier in the process it would be returned to my new address. It is quite difficult to get to my old house to collect the item, as there are no direct public transport links and I don't drive. Am I in the wrong here? Or is it ebuyer's responsibility to correct the mistake?

CCA Letter sent to Aktiv Kapital. Let's see if they reply. Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789

Hi guys! I've been reviewing a car credit agreement I am currently paying, I was originally trying to calculate my own settlement figure using the Actuarial method. However, it seemed to me that in the interest figures stated on the Credit Agreement don't quite add up: Payment setup is as follows: 1st Payment of: £250.00 (arrangement fee) 59 payments of: £316.20 Final Payment of: £511.20 (includes credit facility fee) When I calculate the interest due using the 26.98% figure, my total payable is always much less than my agreement says it should be. Who's wrong, me or the agreement? And in any event, what formula is used to calculate interest on this type of finance?

Two weeks ago I went to get a new car and struggled to get credit. This was despite previously paying off everything I owe and cancelling my credit cards. Seemed unusual but it was sorted eventually. I also decided to get a new credit card as I am travelling to America so wanted one without overseas usage charges. I was declined. I thought it best to check Equifax to see what's going on and was amazed to find I had a CCJ registered against me in 2014. Tracked the court and spoke to them then to the company that had the CCJ registered and it appears they had a utility account opened in my name a few months after I moved from a rented property even though I had an account with them from my current property. They have accepted this is totally their issue and are applying to have the judgement set aside but that will take several weeks to filter through to the credit agencies. This now means a family holiday in the USA without a credit card, always an issue with car hire etc. Considerable embarrassment when buying a car and applying for any credit. My personal issues paled into insignificance compared to the problems it is now causing my company line of credit which are too numerous and sensitive to list. The next day i forced an email from them admitting the CCJ is incorrect and their fault. Apparently they registered an account in my name 11-12 months after I moved out. I have today received scans of the papers they have sent to court asking for the order to be "set aside". This information has sorted my business issues for a period until the courts confirm it is sorted. I estimate the increased interest rate on the car I purchased will cost me over £1500.00 over the term of the finance. In addition to this I will have increased costs when travelling to the US next month and the general frustration, embarrassment and time this has cost me. I have gone from being someone who had an impeccable credit rating to having a credit rating that's lower than a snakes belly. Credit ratings are vital in this day and age I think a claim for compensation is justified as I am seriously out of pocket by their actions. Any advice on the best way to deal with this and thoughts on what compensation I should demand.

I normally park on Sandford Road, Bromley which operates residents permit parking and pay and display bays. The ticket machines accept cash or you can pay using your mobile, via the Ringo App and the location code 6031 (I used it every day so know it off by heart!). On 13th Oct '14, Sandford Road parking bays were all full and a big blue sign said "Pay and Display Parking 7 Spaces" with a big arrow pointing towards Streamside Close. Streamside Close is a cul-de-sac off of Sandford Road and has a solitary parking machine which I have now learned serves ONLY those 7 parking bays. I parked in Streamside Close and purchsed my ticket via the Ringo App but used the Sandford Road location code as I usually did. I was not aware that these 7 bays had a dedicated machine as the blue sign gave the impression that Streamside Close was an extension of Sandford Road. The parking charges are exactly the same for both roads and there was nothing to lead me to knowing that each road had a different machine. Given Streamside close only had 7 parking bays it does not seem sensible or practical to have a dedicated machine. What if it was to fail, then surely it would be reasonable to expect to use machines on the adjacent road. I'm really annoyed by all of this as I have actually paid for a full day's parking and was an innocent mistake. The parking attendant would have seen an active parking session on his handheld for my vehicle for the adjacent road. The charges were the same so no advantage to be had by me. It's just unfair and unreasonable to enforce parking like this and it's cases like this that earn Council's their often well deserved bad reputations. This clearly revenue generation as no payment avoidance was made - I paid for the while day. That said, whilst I feel my position is morally sound, is this a legitimate appeal reason for Bromley Council (who are notoriously, greedy revenue generators - they'd tax air if they could!).

Hi fellow Caggers . . . i've just had a chat to a couple of friends who run a digital print company and it appears that when 'Old Co' was going through troubles they had a couple of suppliers taking them to court. In the meantime they had decided to stay in print and started 'New Co' . . . at some point between the two dates, judgement was given to the suppliers and CCJ's were given but have been placed on the books of New Co. At the time of the cases New Co wasn't even trading and as it is a legal entity in its own right is this legal? Can they have the CCJ's on New Co set aside or expunged? I'm guessing here, but is this an error of the courts? and as such it is at their cost to expunge/delete these? Thanks in advance guys . . .

Hi Caggers, Following on from the success of the discontinuance of Dryden's/Lowell/Vanquis in this thread it has come to my notice that Lowell are still updating my credit file with what I believe is false information. http://www.consumeractiongroup.co.uk/forum/showthread.php?389205-Northampton-CCBC-claim-form-Lowell-Drydens-Fairfax-Vanquis***Claim-Discontinued*** After checking the credit file today it appears that Lowell are still updating the credit reference agencies with false and incorrect info. As I have pointed out before the default should never have been added in the first place as there was no debt left due to Vanquis when the account was closed. The problems arose because Vanquis failed to add payments made by me to my account, I have since proved I made these payments via bank statements to Lowell and their solicitors Drydens, hence them no longer continuing with the case. I am not sure how to play this as I think some sort of compo should be forthcoming not only for their incompetence and foot dragging but also the incorrect default data given to the credit reference agencies which have had a detrimental affect on my obtaining credit. if anyone can point me in the right direction on how to go about sorting this I would appreciate it. Thanks in advance.

I have had a sim only account with vodafone business for about 15 months now. The bills have been incorrect for at least 7 of those months. I stupidly agreed to another 12 months contract around 3 months ago, but I really cant afford to be spending 20-30 minutes on the phone each month sorting out their mess. When I signed up originally, I was given 12 months free spotify. After 6 months, I started getting charged £10 a month. Each month, I would ring up, have to explain everything again, and they would put a £10 credit on my account to cancel out the charge. Each month I was promised it would be sorted for the next month, but it never was! This caused a lot of unnecessary admin for me. This went on for at least 4 months. When I phoned to cancel a few months ago (I was out of contract), they were very apologetic, and promised me I would be billed correctly. They offered me a decent deal, which included a £50 credit, plus 6 months free spotify. The first month it was billed correctly.... but last month it was incorrect. I spent over half an hour being passed around trying to sort this out, and eventually spoke to somebody who promised he would fix it. Yesterday I received a bill, and not only does it not have the £10 credit to reverse last months incorrect bill, but I have also been charged £10 for spotify AGAIN. Also, I have been charged for 11 days eurotraveller, when I was only abroad for 8 days that month! I am sick to death of this, and do not have the time to have to sort out this mess every single month. Am I able to cancel this without any penalty? I have given them many opportunities to bill me correctly.

Hi I had an issue, see previous thread, locked due to comments made by other members. http://www.consumeractiongroup.co.uk/forum/showthread.php?434113-Incorrect-CT-Liability-Order-and-Bailiffs-Forced-to-Pay-it-by-Police(1-Viewing)-nbsp I had an issue where council generated incorrect Liability Order stating I owed this much when I did not, it has took months and months, almost 10 in fact and they finally only 2 weeks ago stated they made a mistake and it would be resolved. Its all in the other thread. Here lies my update. After receiving my new Genuine Revised Council Tax bill on Friday morning amended to show the exact dates I actually lived in the property, actually what my outstanding balance was (stated genuine purely as someone on the other thread said I probably made bill on computer), this now differs somewhat to the liability Order they raised some time back after telling them it was wrong. Basically my question for this is what can I do with regards the Order that was raised incorrectly, even when they knew it was? Obviously if i get a bill saying I owe this much, I will pay, but when you get a balance that is somewhat higher I will not pay it regardless, especially when they refuse to amend it for whatever reason. My main pressing concern is where someone said Bailiff who entered my property aided by Police acted Lawfully. He stated he was informed by Council on Friday to proceed with order and collect Full amount Outstanding. Didn't show me proof, didn't show me ID, obviously didn't comply, called police and wasnt instructed by anyone. Police arrived, basically made me pay exactly what he was asking for without any proof from him, just a slip of paper with 4 lines and total balance. If i didn't pay, take a car not belonging to us (bill of sale in partners name only) or my Business Assets failure to comply would result would be arrested for breach of peace. So had no option but to pay leaving me with hardly anything left. Today I get informed after numerous calls over 5 hours that Council gave no instructions at all to bailiff company and that pending action wasn't being taken at present due to known error that had occurred which by this call had been rectified. So basically bailiff tried to come into property on a blatant lie, having police aide him in his so called lawful duty as they put it. Now I have email today from council telling me that it has been sorted, how much is actually owed etc, also confirming that they didn't instruct any bailiff action and that as of 1st September as per received letter it was still on hold until further notice So bailiff now definitely acted on his own accord with no instructions, lied to police who they based on his lie, aided him in forcing me to pay money I didn't have to or else I faced possibly arrest. Basically if you read thread most is on there, just now can clarify that monies was owed, but left on my account to pay was £73 for the year. Council apologised and said they will speak to Bailiff Company as they don't understand why he did this but all they could do is get them to refund the difference between the original debt on Liability Order and the Correct amount they revised it. Unfortunately their Fees are not our responsibility that goes to the bailiff so other than that that's all we can do but at least its sorted now and balance cleared and then obviously asked if I was now willing to pay outstanding for this years as refused to pay it from June when they were reluctant to fix their mistake. I did query why I had 2 council bill accounts instead of just amending address change on other one but said human error and its just one of those black friday cases that happens once in a while but not to worry as I have paid the balance at least. I have already raised formal police complaint based on they actions of the Police Officers but also wondering if I have grounds for reporting a crime. The bailiff acted on his own authority and I was subject to intimidation by police and in some case blackmail in that if I didn't pay what he wanted regardless of whether right or wrong I could face possible arrest. Also council state under no circumstances can an Order be revoked they can amend amount but it was still be enforceable. This should never of gotten to this stage in first place as they were told back in December, January and February that it was wrong and their notes on their system clarify my concerns but it was never actioned. Who is right and who is wrong in all of this? Is liability Order correct and still valid? Can I not have back Bailiff £310 Fee? Was it theft? What ground if any are there towards Council, Bailiffs etc for all of this situation? Note bank were no help and said can only do a chargeback(as some stated is option) once transaction is authorised and not still at pending and that may not constitute one, also fraud said no as I handed over my debit card regardless of circumstances. I have had to keep my little one off school today due to all this hassle, and the ordeal has left my partner physically sick with whole ordeal and situation and I cant drive and cant afford taxi fares and this took more pressing matter to resolve. Only thing been told so far is complain for maladministration on behalf of council and bailiffs action as for council to pick up on as they are their agents? What does this achieve in mean time?? I for one now have to try and sort out my p***ed off landlord who expected this today and who i cant tell exactly when will get rent! Feel like phoning police and reporting it as crime as to me in some instances i believe it is

Hello to all and thank you for reading / helping, I have received a council tax household form - joining and leaving, from my local council which states they have been advised that the person named (not myself) is now a resident at my address. Although I know this person, they have never been a resident at my address nor have I given them permission to use my postal address for their correspondence. I have tried contacting the person in question but they refuse to reply. I have no previous or forwarding address details for them, which is requested on the form. What are my rights? Is it illegal to use somebody's postal address without their consent? Will I be fined and loose my single person's discount if I cannot provide the council with the information they have requested?