On Saturday I received a letter from Black Horse, completely out of the blue offering me a settlement of £830 as they had neglected to insert a right to cancel in a PCP car loan deal. I finished paying off the finance about 3 years ago and they wrote and said that in my annual statements they had neglected to inform me of a right to terminate the deal early and that they are no longer due the interest I paid during this period - £830 I didnt apply for a refund, or know I was entitled to one. They seem very keen for me to accet and cash a cheque quickly. Is this normal? Thanks

An old debt, now owned by Marlin, resurfaced earlier this year. They issued a claim in May. I wasn't sure I remembered it at first (it was an old HSBC account) and the information suggested it was over the 6 years anyway. I put in a defence to this effect and they sent me information to confirm the debt was still active. I ignored this and they did nothing more within the 28 days they are allowed. Subsequently, they applied for the stay to be lifted and defence struck out, which was transferred to my local court and I put in an admission and requested time to pay (£5 per month- I have no income of my own). I couldn't attend court. I just received the judgement, which gives me until December 11th to pay in full and has added £1100 for costs. There is no mention of my offer to pay, which is what concerns me most. I also think the costs are ridiculous, especially since they are the ones that failed to meet the first deadline. The debt amount was £2000. My question is what should I do now? Do I assume that the offer to pay was missed and put in a new application? Is there anything to be done about the costs? Thanks.

Have the nightmare scenario of boiler playing up. Local engineer diagnosed two faults, fixed them bit looks like it needs a more thorough diagnosis from a product specialist. BG doing this offer here, has anyone used this or have any negative feedback. https://www.britishgas.co.uk/rc-app-slot-booking/ Its the £99 fixed price repair with HomeCare 200. Have read the t&c's but see no hidden fees - anyone recommend it?

Hi I had an interview for a job today that I only heard about last Sunday, before then I had already accepted a job offer to start next Monday 1 December. After going for the interview today they didn't indicate either way if they wanted me or not but just suggested I delay the other job start date to give them more time to consider things. Should I just tell them no or is there a chance I could also use this to get the other company I was due to start with to up my salary or benefits? FYI these are both entry level jobs paying just over 20k so I'm not a senior exec 2 companies are desperately fighting over or anything.

We are in the process of collating documents together to write to various organisations to claim charges and PPI payments. To cut a long story short, how would we find out the account number to an old Barclaycard account we held back in 2002? Is this something we could write to them and just provide adress details at the time of opening the account? Would that suffice? Cheers Shelley

On reviewing a previous offer details after the recent publicity regarding Banks underpaying claims, I noticed that the attached did not include 8% simple interest. Therefore is the presentation of figures correct considering the account was passed to Natwest internal debt team in October 2005, in which the account is still open and currently still paying an agreed payment plan ? Thanks for looking.

Brief description, £6900 - Cahoot Loan (Original loan was £9k), Moorcroft Debt Recovery Ltd (Not showing on my credit report) - when was you last payment? Through dmp once every month I was under assumption my balance was £6900 but the letter says £4900. Whether that's there offer i'm unsure. Thanks, Neo.

I recently wrote of to akinika to settle a debt I have with them, I was a little cheeky and asked if they could reduce my debt by 70% (previous debt companies have done this with me in order to settle my account quickly ) instead of paying £212.21 I would pay £65, they sent me a letter back saying this is "not acceptable, however our client would accept £180.37" They have also asked for a breakdown of my income & expenditure which I have typed up for them, after I have paid everything out (rent, council tax, gas electric) I am left with £0 a month. I am currently a full time carer for a parent which I have stated in the letter so for now (due to being made redundant) I am not working and my income is all accounted for. What action can they take now ? I physically have no money to set up monthly payments to them, I am only able to pay the £65 as a family member is willing to pay this for me, but due to them being retired and on state pension they can not afford to give me £180. Can they take me to court ? If so, does the fact that I offered to make a settlement payment count in my favor ? How much should I have offered to pay them ? Any key information that I should add in my income & expenditure letter ? ** This account is for JD Williams for a catalog** Thank you

To cut a long story short (this is in an old thread I started around 18 months ago), we have a judgement for just over £6000, which we are currently attempting to enforce. We had an Examination done which gives all income/expenditure details, looking like we won't get much per month (£150 offered), but it we accept the £150 in a varied order, can it be changed afterwards (as declared in the Record of Examination is a large loan due to be paid off in around 2 months which frees up just over an extra £200)? Therefore after 2 months could we request £350 per month as this will be the amount surplus after this time. Other than that are there any other items I could discount (ie non-essential items/bills) which I could refuse to take into account? Many thanks.

I have £25k of outstanding debt. to... Lloyds (o/d) Egg (x2) MBNA (credit card) HFC (Beneficial Bank rolling account) I've been on a self administered DMP since about 2008. January this year, my wife left me and I had to cease all payments to all creditors. I have also ignored all of their threats via letter (they don't have my phone numbers). The boyfriend wants her to sort out the finances and is willing and more than able to pay the lot off. My hope is that he might hand over 25k and I could then go for Full and Final settlement offers and pocket the difference (slightly dishonest but then, he's done worse!) The biggest debt is to one of the Egg cards £11k and it's administered by Apex. Months ago, they wrote and said that they would accept £3k (This came out of the blue, I didn't ask) So they are willing to accept 31% of the balance. I am thinking of writing to all of the creditors, citing Apex's offer and offering them all 31% My questions are.... Is there a good template letter? What do I have to watch out for? How do I make certain that they don't come back for more later? All advice gratefully received. Andy.

Hello Cags, My fiance purchased a Louis Vuitton bag from their flagship Bond Street store in London. The day after purchasing she noticed an odd scuff mark (not caused by her) on the inside top lining of the bag and on close inspection the paint is revealed to be noticeably peeling off in an area of around 1 cm square. Not knowing her rights she approached me a couple days later with the issue and I took a look and believe that this item was sold to her defective and that she should be entitled to a full refund under consumer law. She was not afforded the opportunity to inspect the item upon purchasing as they gave her a sealed boxed item to take away. She paid using her debit card unfortunately. A week after purchasing she attempted to return the bag to the store only to be told by the store manager that 'the bag is worn and cannot be returned under Louis Vuitton guidelines'. We immediately sent a letter requesting a replacement/refund under UK consumer law. No reply for 2 weeks and we sent a letter before action with legal threat. My fiance had a phone call and Louis Vuitton refused to give refund however they have offered to send the item to their Paris Quality Control team for checking - however no possibility was given for a refund or replacement. We gave them a deadline of Friday 26th November after which time we have threatened legal action. They have 4 days. Do we need to hand the bag over to them for 'quality control checking'?!?!?! What madness is this!? I am guessing it's just a run around. Please advise. 99

I will keep my experience with Thomson holiday as brief as I possibly can. My husband and I booked a week’s holiday for 2 in Lake Garda for w/c 25th June. My sister had flown over from Australia to allow me to go as I look after my 93 year old mum so I wanted this to be a holiday to remember. I paid £2108 for a deluxe room for one week, which according to the hotel when I e mailed them prior to booking was classified as a junior suite on their website. When we arrived at the hotel the minute the receptionist showed us into the room I told her it was not a suite and was unacceptable. She insisted that it was what we had booked and could do nothing about it as our booking was through Thomsons. I argued that a room with a bed, bathroom, two bucket chairs and a small table was not a suite and, taking into consideration the appalling view of an old building with underwear hanging from the windows, I stood my ground and told her it was unacceptable. As the hotel was full I was told that the only solution was to upgrade to a suite (not a junior one!) which would be available the following day at 80 euros a night. I told them this was impossible as we were on a budget and needed the money for any excursions we may wish to go on. At that she said she would contact the Thomson rep. She was lovely but her hands were tied so I asked her to contact her Manager so that a solution could be reached. I never saw the Manager and no solution was offered so reluctantly we stayed in the allocated room for one night and then decided to pay the 480 euros to upgrade the following day. When we arrived home I wrote to Thomson on 7th July detailing my complaint about the room we were offered which they received on 9th July. No reply was forthcoming so I wrote again on 16th August requesting their comments. I received their reply dated 16th September in which they stated:- “after double checking the details in your letter along with the information we have, we believe that the room you were allocated was in fact not a deluxe room as you had booked.” By way of apology they offered me a refund of £192 – being half of the cost of the upgrade – an upgrade that I wouldn’t have needed if I had been allocated the correct room. I was delighted to receive acknowledgement that I was right about the room and replied on 23rd September copying my letter to the hotel and the Managing Director of Thomson. I am afraid I do write lengthy letters but this is the most important part of it:- You may be aware that the definition of fraud is:- Knowingly cheating someone. Also for it to be considered fraud the person being cheated must not have known it was a lie. I believe this is exactly how I was treated. I was allocated a room which I was assured by the Hotel was what I had booked i.e. a deluxe room and, as stated in my first letter, I had no way of contradicting this so reluctantly had to accept their word on the situation. Now that you have confirmed that I was allocated the wrong room, I am writing to inform you that I am sorry but I am not prepared to accept your offer of £192. As I explained in my letter my holiday was severely curtailed due to the fact that I had to pay 480 Euros to upgrade to a suite. Now I have been proved right, I feel I am fully entitled to ask for:- • A full refund of the 480 euros I had to pay for an upgrade. • Recompense for having to sleep in an ordinary room on our first night when I had in fact paid for a suite. • Postage costs currently standing at £7.85. • Recompense for the time I have spent detailing this complaint plus printer costs. • Compensation for being put through this ordeal. I presumed paying £2180 for a weeks holiday in Italy would guarantee me what I was looking for - a stress free holiday. Obviously not – I was not only stressed but ended up having to pay an additional credit card bill when I arrived home. The reply was almost immediate, dated 30th September, where they have stated ‘that they would like to increase the gesture of a refund to 480 euros in order to close this matter for me. This does represent our final offer and is instead of the £192 offered previously.’ After all that my question is should I accept the 480 euros? I don’t want to as I feel I should receive at least some of the recompense I asked for. Is it worth carrying on or should I do as my husband says and take the easy way out and accept it.

I telephone HSBC last summer regarding PPI on a credit card which I ordinarily took out in 1997 and had until around 2004. They wrote back and said that I was not eligible and closed my case and I left it at that. Last month they wrote to me out-of-the-blue and said that they had decided to over-turn their conclusion with my case and would write to me with a month with an offer. Today I received the letter offering me £900.68. However I am confused on how they came to this amount. I have not kept any records due to the dates, but do know that my card was max'd out for the majority of the time I held it £3,000 limit and I was a student. They have said that £508.02 is the refund of Card Protection Insurance based on an average creditcard balance and £392.66 is Simple Interest at 8%. they have said that this in full and final settlement, should i accept???

Hello fellow caggers. I received this from Marlin DCA a couple of days ago. On a debt of almost £5,000 they have offered to reduce it to around £1,800, if I pay within the next 14 days. It will save me around £2,750. It is a full and final settlement and be registered as partially satisfied with the credit reference agencies. I can just about skimp and scrape this together. If I don't pay, I must continue making my agreed repayment amount. What should I do? Allets.

Hi, After over a year of trying I have finally received a calculation from Barclays for my Mastercard which I took out in 1996. After the involvement of the Ombudsman they offered to settle out of good will with no admission. The offer letter I received stated that they are admitting that I was missold. The letter is a little cryptic in that it states that they are "not required to retain statement information for more than 6 years" and that the value of payments prior to 2005 would be calculated assuming that the payments reduced at a steady rate to 0 going back to 1996. They say that they are happy to recalculate should additional information be provided. Who in their right mind keeps statements going back to 1996 ???? Well, my wife has been going on at me for years to clear out my paperwork. I am so glad I did not listen. I have found statements going back to 1996. Putting these into the calculator makes quite a different picture. I do have a couple of questions though. What interest rate should I use when calculating compound interest. Do you think Barclays really do dispose of records from before 2005. Many thanks for all the great advice that I have received and I cannot thank the Ombudsman enough for their professional and considerate service.

I really dont know where to start here but i will try and explain as best i can. The main reason for the post is to find out if the repossession is legal which is only the tip of the iceberg here. A financial adviser is contacted to source funding for a small residential development. The adviser contacts a company who happen to be a broker. The broker sources funding from a lender and charges £1,000 app fee. The application is made to LENDER which was successful, no issues. The name of the company at the top of the facility Letter is lets say "The Lender" There is no address or contact information of any kind within the contract other than the name of the company at the top. As the contract was to release the funding in stages, the first stage was released and work carried out to complete all underbuilding work. Not further funding was released after this due to the lenders demands outwith the contract. One thing led to another and the issue was unable to be resolved. The lender decided it was time to both serve a calling up notice and subsequently a court writ to repossess the partially developed land. This is where things start to open up and i find out who is who The issue is that the pursuer is a Limited Company, the same Limited company that the broker was a trading name of, effectively what this guy is saying is, the broker and "The Lender" were both trading names of the Limited Company- How was i to know that when the Financial Adviser requested £1,000 app fee payable to the lender and also there would be a £1,500 fee payable to the broker for sourcing the lender? Effectively it now looks like the Director of the limited company not only charged me to find the lender but HE was the Lender. Now, to make things clear. The Limited company using the two so called trading names had a Consumer Credit License (Legal Formation: Body Corporate) (Nature of Business- Mortgage Broker) (Category-Credit Brokerage) this is very clear from OFT. "The Lender" also had their own CCL as a separate entity,(Legal Formation: Partnership) (Nature of Business-Mortgages) (Category- Credit Brokerage and Consumer Credit) this is very clear from OFT. "The Lender" from the mass of information i found out about them has been a Partnership company for many years but the Limited company who is pursuing the repossession has only been set up for over a year. I am of the thinking that, as nothing mentioned in the contract about a trading name of the Limited Company (which would be a breach of the Companies Act) if it were the case. The limited company did not hold any CCL to be a lender. The Partnership was established at least 10 years prior to the Limited Company being set up, and most importantly, there will be litigation against the lender for breaching the contract it is simply a move to limit the liabilities to the Limited Company that seemingly does not much in the way of liquid funds. Another slight twist is that, the broker and lender have no association whatsoever with the Limited company now they are now trading names of two other Limited companies this guy has set up and the CCL status of all companies is that they are Mortgage Broker NO MORE BEING A LENDER! Again, just to add a little spice. the three individuals who own the Partnership/Limited companies have between them Dissolved over 40 companies within the last 8 years or so. Should it not be "The Lender" named within the contract pursuing repossession. Should i be suing a company not named on the contract and also unauthorised to lend? As i mentioned, this is the tip of the iceberg, Thanks in advance

Last week I went to my local Toyota dealer for a test drive of a new car. I was given a written quote that included a Toyota (not dealer) contribution of £2000 towards the finance, on which it states the quote is valid for 14 days. I have decided to go ahead with the deal but now the dealer has informed me that the Toyota contribution has been withdrawn nationwide, even though I am only 7 days into the 14 day "valid" period. I appreciate that the dealers hands are tied if Toyota has withdrawn the offer, but surely Toyota have some sort of obligation to honour the offer whilst still within the 14 day valid period? Thanks for any advice.

Hello Community I have just been successful with my request for a home improvement loan from a company called Freedom Financial. I'm so green to interest rates, best mortgage deals etc... Therefore, would someone please be kind enough and take a look at my offer, see attached, and let me know if it's as good as a deal as their representatives state: You're help will be greatly appreciated... Cheers Carlton

Hi everyone, I would appreciate any knowledge/help, to cut a long story short in 2004 i applied for a £1000 but then over 2 years i consolidated them into what i now know was 5 loans. i was stupid young naive! I recently received a letter from RBS offering me the chance to try and claim back any missold ppi in this letter were the dates and account numbers of the loans, along with the claim form/questionnaire. i filled in the form and has now been sent back. Today i phoned RBS to see if it had been received, which it hadn't and also to find out what amounts these loans added up to, as i have no paperwork, the helpful adviser gave me the figures, and also said that ppi was on all of them. if anyone knows if there is a way of finding out if i would entitled to any refund? a calculator of some sort? the accounts on these loans are closed now as i forgot all about them. thanks to everyone in advance

I accepted an offer from HFC on a PPI policy a couple of years ago. At the time I assumed that the process involved the bank calculating what I was owed and paying me that amount. I am now much wiser and believe that they just refunded the premiums and did not add any interest. There was no details of the calculations, not even a breakdown re the 8%. Can I go back and ask them to show me the calculations and question if they were correct?

Hi all, This is just a quick post to see if anyone knows anything about Part 36 offers to settle a clinical negligence claim?

I took a £20k secured loan out about 1 and a half to 2 years ago now and been paying the extortiante rates back since. Never missed a payment till now. Ive hit financial difficulties and need some help. I believe my CCA in incorrect and am considering putting it into dispute also. I sent of the subject access request and the CCA request along with 2 seperate postal orders. One for £10 and one for £1. I received a letter today saying thanks for the requests but please send a cheque for for £1 and the £10 !! My postal orders were no where to be seen or even mentioned in the letter !! Totally Stolen by Welcome !! Whats the best route now? I really dont want to send cheques as ive heard they can uplift signatures. I sent them recorded delivery and never signed the letters as I was told just typed my name. Help !

Hello, Lots of information I've been reading, but nothing specific to my problem, so i'll post it here and hope one/some of you kind people can provide information and suggestions on a way forward for me. i fell foul of a £4000+ debt back in early/mid 2010 and foolishly (in hindsight) then tried to use of those mickey mouse co.'s offering to render it all unenforceable. Suffice to say it didn't work, so i was left with this debt i couldn't pay. paid them £20 a month from mid/late 2010, which i have had to reduce to a nominal £1 per month from mid/late last year. I have been making this payment now to the present day. I just cannot afford anything more and have no idea how to go forward/get rid of this. a third party has offered to pay a sum in full final settlement, so a £1000 offer was put to them this year, which was rejected as insufficient. But they'd look again at an increased offer. This may be possible, but i don't want to spend someone else's money lightly and certainly not knowing what amount they would be willing to accept. Please, any help/suggestions would be much appreciated - if you need any further details form me, let me know. Thank you (all) in advance.

Ahoy gents. I previously posted regarding my ToothFairy Loan and the text messages I've been recoeving. I've just had a text message from NDR Connect offering to close my file if I pay £80. Asks me to call their number or go to the toothfairy website. I went on the website and NDR's (which has exactly the same layout, hmm), they both mention nothing of this "£80 offer". Opinions guys?

hello i am currently in the process of paying off the last 2 of my 9 debts, in total i owed in excess of 10k, over the past few years i have managed to clear a considerable amount, currently im down to £3200 owed to DLC/hillesden on behalf of a car finance loan from blackhorse. all of my previous debts were paid off in full either as a full payment or payment plan over a set amount of months, the last debt totals £3200, in this case i am wanting to send a letter to offer a settlement figure and need some advice. first of all im not sure whether i would need to send this to the original creditor; black-horse or would i send it to the debt collection agency hillesden/direct legal collections. also i am hoping to offer a reduced offer, any tips/realistic % to offer any help is greatly appreciated and i look forward to hearing from anybody who has similar issues or can help thanks