Hey, Does anyone have an email address for Minicredit that works? Thankfully, i never defaulted with this lot and got it paid off few months back but want confirmation it's been repaid. You never know... Come next week i'll only QQ and PDE to deal with

Hi, looking for some advice - I submitted a ppi claim to MBNA using the standard FOS questionnaire form a couple of weeks later they wrote to me asking me to contact them to verify my identity before they could progress with my claim, when after 5 attempts to get through to appropriate department (on hold for at least 15mins each time - number given on letter went to a recorded message then cut you off) I was asked to confirm my date of birth which was on the form I submitted originally!! Now 2 further weeks later I got a text message today saying " To help us investigate your complaint we require some additional information. Please call us on 01244 672143 & our specialised team will be able to help you" Is this standard practice? Do I ignore or call them - I think if they are investigating my complaint they have all the information required on the claim form? Any help gratefully received

Please PLEASE can someone offer me some advice. I have had a small business account with British Gas for over 10 years. In 2010 I received an invoice from BG for several thousand pounds saying that my bills had been estimated for several years and here was a bill for what I owed them. Up until this point I always paid the bills they sent me and un be known (yes I agree this was my fault for not reading the bills properly) I hadnt realised they were estimated The recession had hit however and I was unable to pay this HUGE bill so I contacted BG. My turnover fell to £14k! It was really bad. This took several months of backwards and forwards between us to sort out and their "Special Credit Solutions Team" allocated me my own account manager and they agreed for monthly repayments. This amount they agreed was the minimum amount they would accept and I was bullied into agreeing to repay at this amount. I wasnt asked to produce or prove my zero income and my lack of work. These payments started, but then I stumbled 6 months later due to lack of work and monies. I contacted my account manager who said not to worry they would sort it and get back to me. They asked me for an up to date meter reading which I gave and they explained they would sort it. This didnt happen. I then received a notice of disconnection and called BG again. They repeatably said "Dont Worry" ignore the letter and they would sort it. Next I find that they have a Warrant, entered my premises at 5:00pm on a Friday evening, changed the locks and left me with a note to contact for new keys and another bill. This contact number went through to an telephone number that was unmanned. As we had work to carry out over that weekend we called a locksmith who changed our locks so that we could then gain access. I called BG on the Monday morning discussed this and the ongoing issue with their Warrant Dept who said that they would speak to "Special Credit Solutions Team" and get back to me. I was asked if I would like to file a complaint and I said yes and was given a Reference number for the complaint. I was told the complaint procedure could take up to 8 weeks for me to get a response but in the meantime they would get the Special Solutions Team to contact me and sort it out. I outlined that I was told to ignore the letter to disconnect my gas and that my account manager said they would sort it and get back to me. I also explain to the Warrant Dept that I have queeried if my meter was faulty because the offices were unmanned and had been for several years. There were no staff present on site and I was not happy with why my meter readings were this amount when I had not been working there at all. I asked if my meter could be looked at. I was told they would have to check to see where the meter was and that were not sure if they still had it. Nothing happened and I heard nothing. I called again at the beginning of May and the Warrant team said they would get my account manager to contact me and sort this out. Again I heard nothing A month later I email them and am told "I will look into this for you and reply as soon as I can. It is in the hands of a manager, please be reassured that we are dealing with your account." And again I still hear nothing. Then I receive a letter and several answerphone messages from a debt collection agency threatening me and then two weeks later I've received a formal demand for payment. By now another £500 has been added as administration fees! So, I'm writing to ask what I should do. As far as I'm concerned I filed a complaint with BG. I've had no response. I've had no letters, email, or telephone calls from them. They then appear to have passed this over for collection, even though I am told that this was being sorted by their Special Credit Solutions Team. Can I contact the Ombusman about this case, or do I file another complaint with BG? I need to get this sorted as we have no gas on the premises. (This happened back in April) I would like my meter testing but they dont know if they still have it, and havent let me know when they said they would. Look forward to some advice PLEASE

Hi All I won't bore you with all the ins and outs of my situation at the moment, but I was suspended on full pay from my job with a Major International Parcel Carrier on the 9th July of this year. I am suspended for alleged falsifying records and lack of duty. I strongly deny these charges and have responses for all of it. I had my first investigatory meeting on the 11th July and was told I would hear from HR in due course. I then received an email requesting another meeting to be held tomorrow. I have spoken to my Union Rep and taken advice and asked for any questions to be sent to me so that I may consider them and my reply. I have been told by the Manager taking this investigation that she cannot supply the questions as they will be decided on the day. As far as I am concerned I have answered their questions fully and frankly and really do not have anymore to add. Can they do this? I loved my job and the worry is making me ill. I also filed a grievance and this has not been mentioned. My thanks for your help in advance.

Does anyone have an email or fax number - doesn't matter if they are generic or anything as I want to send them a letter. Thanks

Perfect Homes is a trading style of Temple Finance Limited. Registered office is; The Lodge, Coleshill Manor, Coleshill, West Midlands B46 1DL Consumer credit licence-this is actually listed as Temple retail Ltd. Licence Number:0609601 Licence Status:Current Business Name Company Registration Number Temple Retail Limited 5981917 Categories: Consumer credit Consumer hire Credit brokerage Right To Canvass Off Trade Premises:Yes Trading Name(s) (Current): Perfect Home Issued Date: 30-Nov-2007 Expiry Date: 30-Nov-2012 Current Individuals that run the organisation: Alaric Michael Smith James Roy Clark Michael John Sweetland Michael William Cooper Current Address(es): Correspondence The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL Principal Place Of Business The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL Registered Office The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL

Hi, Hope I have posted this in the right place. I have been receiving ESA for a while now. I have had my ATOS assessment but I still have not heard a decision. However, I now have new information they need to know to support my decision, which is very important as it means I am no longer allowed to take my medication. I have rang several numbers and been sent round and round in circles. ATOS told me there is nothing I can do now until I receive their decision, but I don't want to have to wait for that, then appeal (which I will probably have to) and wait again, as we really are struggling money wise and I am unable to eat properly, so that extra bit of money added to my ESA would make all the difference. I can't find a telephone number or even an address to contact the DWP about my situation, does anyone have this information that they can share with me please? I can't believe how difficult things are.

BrightHouse, Registered Office 5 Hercules Way, Leavesden Park, Watford WD25 7GS Registered in England 0785922. Data Protection Manager Caversham Finance Ltd trading as BrightHouse 5 Hercules Way Leavesden Park Watford WD25 7GS BrightHouse Customer Services 5 Hercules Way Leavesden park Watford WD25 7GS Customer care enquiries contact: Tel: 0800 526 069 Email; customer.relations@brighthouse.co.uk Customer Relations team open times: Monday - Friday 9 am - 5 pm (Wednesday closed at 3 pm for staff training) Consumer Credit licence No 0345103 licenced for ; Consumer credit,Consumer hire Trading Names; BrightHouse Crazy George's http://www.brighthouse.co.uk http://www.brighthouseblog.co.uk http://www.brighthousecareers.co.uk http://www.brighthousegroup.co.uk COMPANY OVERVIEW Brighthouse is a trading name of Cavendish Finance Limited,which was a former subsidiary of the Thorn Group plc,and taken private in 2008 following a deal done by Nomura (now Terra Firma Capital Partners). CFL was purchased by Vision Capital in July 2007. BrightHouse is the largest rent to own company in the UK with over 200 retail stores employing more than 2300 people. BrightHouse released its financial results in July 2009 showing a 16.9 per cent rise in annual sales to £170.6 million.In 2009 BrightHouse saw their sales increase 21 percent to 50.5 million pounds ($80.6 million) in the 13 weeks to 24 December. PRODUCTS/SERVICES Its product area is home furnishings,domestic appliances,Audio visual equipment and kitchen white goods.In June 2009 BrightHouse launched its online hiring site. Brighthouse offers products from well known brand names including Sony Philips Samsung and Beko. Furniture accounts for about 20 per cent of sales, audio and visual for 30 per cent, domestic appliances for 20 per cent and 30 per cent for technology. Target Markets/ Selling policies Customers pay cash upfront, weekly repayments or monthly direct debit with no deposit, with a charge of 29.9% APR interest on all products. Customers can take payment holidays and return goods without incurring penalties if required. The company’s Optional Service Cover provides customers with full protection against breakdown.The company's lending practices have been criticised for targeting the "poorest, most desperate families" and operating in the "most deprived areas" of the UK. Given BrightHouse's interest rates, a buyer may end up paying more than twice as much what they would have paid absent BrightHouse's finance charges. Their base prices have also been noticed to be higher than the prices charged by mainstream retailers such as Dixons. Media Reports In 2009 a BBC Radio 1 Newsbeat investigation found evidence of a the BrightHouse chain bullying and pressurising customers who were falling behind with their payments. Some customers of BrightHouse, told Newsbeat that staff were "bullying, threatening and rude" to them.A debt charity (Credit Action) warned of treatment of people in "an appalling way", and wanted the Office of Fair Trading (OFT) to investigate. http://www.bbc.co.uk/pressoffice/pressreleases/stories/2009/05_may/14/newsbeat.shtml Brighthouse stories on CAG. Such was the levels of complaints on the Consumer Action Group,from Brighthouse customers,that we introduced a stand alone forum for members much earlier than similar forums which were added for other retail store forums. Complaints range from being supplied with b stock goods,failure to properly deal with complaints,adding unfair charges to agreements,insurance issues,heavy handed collection tactics,and more. Here are some examples; http://www.consumeractiongroup.co.uk/forum/showthread.php?89225 http://www.consumeractiongroup.co.uk/forum/showthread.php?136953-Help-with-Brighthouse-please http://www.consumeractiongroup.co.uk/forum/showthread.php?48343-Brighthouse-Problem-Again http://www.consumeractiongroup.co.uk/forum/showthread.php?281880-Bright-House-problems....

Trading Standards Bridgend Trading standards aims to ensure that fair-trading is carried out in Bridgend County Borough so that consumers can purchase goods and services with confidence in the knowledge that they are safe, correctly priced and accurately described Bridgend Trading Standards Service offers a comprehensive consumer advice service that has been awarded the Community Legal Services (CLS) Quality Mark. The service is provided free to any person who is resident in the county borough or person who has purchased goods or services from a business in the county borough and will give advice on a wide range of issues relating to the purchase of goods or services. The service is available: Monday to Thursday 8.30am to 5pm. Friday 8.30am to 4.30pm. The service can be contacted by telephone (01656) 643278, in person at the council offices, in writing or by e-mail: consumeradvice@bridgend.gov.uk Initially, anyone contacting the service will be advised of their rights and the trader's responsibility to attempt to resolve the problem. If this initial attempt fails, the adviser will intervene to try and mediate/conciliate between the parties. Should this fail to achieve a successful result and it is thought appropriate, advice and assistance will be given to seek redress in the County Court. The service also provides a supply of leaflets to assist consumers with their problems and explain their civil rights.

Does anyone have a working contact email for Motormile for negotating a repayment plan? I have sent to collections@mmile.com but has been returned undeliverable. Thanks in advance

Please can someone give me some insight on what to do. My Bulldog took ill Monday just gone Bank Holiday, I was frantic and had no means of transport or money to pay for a vet to visit I called the RSPCA and they finally agreed to assist me by sending an inspector to collect my dog on condition they did not need to treat him but put him down which I agreed as he had lost control of his body and could not get up, he is 13 years old. They took the Dog and said they would call me. I foolish enough was in such a panic that did not manage to take the details of where they where they were taking him or what is going to happen. It is now Thursday evening and after 16 calls to them and their HQ's no one has called. We are all going mad. I feel I might as well have taken and thrown him in the dust bin after 13 years. I actually had to feed him with a wooden spoon and wipe his backside and wipe his nose he was fine up till MOnday. Any advise would be gratetly apprecaites. Many thanks Mashmallow

Work in progress

Hii, Although a newbie, I have been viewing for a while, just no need to post until now. With the changes over the past couple of years with new judgements etc, re validity of DNs, reconstructed CA's I do not feel sure of what I should do. My history : approx 5 years ago, I had to take control of spiralling CC's and 2 loans, as I was unable to meet repayments. I called one of the free DMP's and I have been repaying, at a reasonable amount for the past 5 years. Some CC's accepted payment plans, Lloyds have never accepted and have always sent arrears notices. To be honest, I contacted them at first but was so fed up with the call centres who could not speak 'off script', I gave up calling. I sent several letters which went unanswered by LTSB. This CC was taken out in approx 2002. There were charges on the account about 5-6 years ago, and I have so far, not requested a SAR as I know it's unlikely to get the relevant info from LTSB when requesting it. I have kept every document ever received, but this is currently in storage due to recent house move and not accessible for the next few weeks. I can therefore, in a few weeks time gather the info to reclaim late payment, over limit charges etc - but I fear it is too late to prevent a default on my credit file. LTSB have continued to add interest, and I have recieved statements each month. I last 2 were dated 21/2/12 and 21/03/12. I have now recieved a letter from SCM, dated 28/03/12 (sent 1st class!) which is 'a formal demand of account balance', threatening court action, referencing a DN which was not rectified. Also noting that 'interest continues to accrue on a daily basis'. Also if client does 'not recieve a satisfactory response', then credit agencies will be updated. I have not recieved any DN for this CC, and I don't think there is an issue with the post as I have clearly recieved two recent statements and this letter. I have however changed address during this time, with the FEB statements being sent to my old address, which is on a redirection - so I assume all post is being redirected correctly. The MAR statement to the new address, as is the letter. As my debts were defaulted many years ago, my girlfriend has said she would help clear any that are now demanded, to assist in the clearing of my credit file. To received a default this far along the line would be very disappointing. This amount is around £1k. (I assumed, maybe incorrectly, all CC's were defaulted, but now my girlfriend is helping me, we can see that some CC's are still charging interest - which I think indicates they are not defaulted?) I would like to ask for advice on how to approach this. When I viewed the site before, there were recommendations of 'unlawful rescission'. Would this be an option, as they have clearly terminated the account without issuing a default notice? If they have defaulted the account, can they add interest daily? What is the best thing to do, considering I would like to prevent a default? Thanks

Have been with BT For 3 Years, I signed up for a 12 month contract. NOT once was we told or made aware that this contract would automatically renew for 12 months We have never recieved a letter saying that the contract would be renewing & I would never have taken out the initial contract with them had I been aware of this I have changed my supplier and Been charged £67 Im disgusted that they are allowed to do this, surely a contract is a mutual agreement....I did not agree to this. Is there a way to get out of the charges??

Hi all, Thought I'd share some useful info re: making complaints or contacting Equita. Hopefully this hasn't been posted before but apologies if it has. Rather than using the premium 0844 5618807 number as shown on their web site, call the main switchboard on 01604 250116 (no doubt you'll still get through to some *$^&£% @!%&$*$&$ but at least the call won't cost so much) Their fax number is 01604 634460. If you'd rather not use their insecure online email forms (ie, New Occupier, Outstanding Account or Complaint) simply email them at: info[at]equita.co.uk (replace [at] for @), and let them forward your enquiry on to the relevant department. If your email enquiry/reason for contact happens to be a complaint then put 'FAO Faren Kowler' in the subject line (No, that's not her real name !!!)

Hi, I've had a very bad experience with Black Horse and am wondering if there's any comeback. The loan I took was £1400 to cover a sofa & table. I was able to repay interest-free before 10/10/2010. I missed this date because I wasn't given the information on how to pay. There is no phone number on their website blackhorse.co.uk, the finance section of their website is down at time or writing, the agreement form doesn't contain a phone number or details on how to pay. It does list an address, but doesn't detail what I can send to that address. A google search doesn't bring up any official contact details for them. I finally found a contact number on a forum similar to this. They sent reminder letters to my previous address, despite the agreement listing my new address & date of moving. They're trying to charge me a massive amount of interest for missing the interest-free payment date. Do I have enough evidence to show they made it very difficult for me make this payment? If so, how should I go about it? Many thanks!

I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interest and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest. is there a follow up letter for once they refuse? I saw one before but cant find it now not sure if it was on this site tho. They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment. But I also recieved a letter saying it would go to court, wish they'd make up their mind!

Hi I am hoping somebody can provide advice on next steps please. For background my left my husband last year. At the time we had a Together mortgage with Northern Rock. He remortgaged the joint property and paid the existing mortgage -job done. He did not repay the loan but agreed that he would continue to pay instead of buying me out of the property - I agreed. Unfortunately he has fallen on hard times and agreed a repayment through a debt management company for reduced payments to NR. They are now taking us both to court for the full amount. I only found this forum a few days ago, the Court Order was dated 3rd March, I responded with an AoS yesterday and sent a CPR31 request to Eversheds as well. I know my defence should be back at the courts by the end of March - can I do anything in the meantime or do I just wait for a response from the CPR request. I cannot post any of the agreements or DN or Termination of the agreement because they were not sent to my new address (even though NR had it!) and my ex just kept sending them the the Debt Management company thinking they were resolving it. Any advice on what to do next would be great - what should I do if I don't get the CPR information back in time?

Hi guys. Can I say what a great site this is for dealign with debt companies like weescot for example. I had to register and have a good look on here due to an issue I had with them but once I found out about administration of justice act, protection of harrassment and so forth and I quoted that to them then for now at least my troubles are over...........But will I be contacted by another company? I will explain the situation. Last september I decided to join 3 mobile. Went to toe local 3 mobile shop and picked the phone/price plan I wanted. Now when I signed up in store I was given a little card with possible add on plans for my mobile. I asked should all of these be OK with my price plan on ym phone and I was told.......yep no bother. We wouldn't give you the card if it weren't. That was OK. About the middle of september time I wanted to exercise my right and change a part of my price plan. I wanted to add on a £5 unlimited internet on my phone. I phoned up and (after at least 6 attempts to speak to somebody non indian who could actually understand what I wanted in the first place) I asked about the add on and got told in no uncertain terms Nope. Just an abrupt no you can't get it added to your phone. I was quite shocked at how rude 3 mobile we're to me on the phone and I hung up and so I decided to make a complaint to the CEO'S office only to get a letter a few days later direct from their office to be told my account was closed and we want £455. I wasn't rude or anything. I decided to email instead as I wasn't phoning back due to the rudeness I had already had ad my handwriting isn't great so it would be hard for me to write a letter of complaint. I insisted I would agree a price plan......even sent at least 3 recorded letters (printed) each one of them was ignored. Just before christmas though I got a lovely letter from wescot threatning me with court action for £455.89. I said to them that I was challenging this due to many factors but to keep the peace I eventually decided to arrange some sort of £20 payment plan.....but I wanted official confirmation from them what the debt was for and wescot said they would get back to me with official letters from 3 mobile. That never materialised despite how many times I asked. Wescot then decided that they would star hounding me and hounding me with letters. Was virtually every day a different letter some for payment plans.........some with paymenty slips.......some threatning me again. I eventually got fed up with wescot and their constant letters and more or less told them that if this didn't stop I was going to the police and would threaten to sue them for continued harrassment. Eventually today though I got a email back saying that they had closed the account. I've paid £20 which means I would owe £435. Now what is likely to happen? Would 3 mobile try and pass that on to another company or whatever? Also if another collector gets involved would it be a good idea to advise them of the problems I had with the phone company in the first place and more or less say to them outright that if they start harrassing me like wescot did then I will take it further with them? Sorry if this doesn't make much sense but I am a little shaky. Nevres have been slightly rattled with all of this carry on.