Hi All, I'm new to the forum and desperately need some advice. Basically I was dismissed from my job for not being a good "culture fit" - no warning, no disciplinary etc but was told that they were going to help me find a new job I came into the office on a Sunday and the manager was supposed to help me go through my CV for the employment agency. He called me in the morning and asked if I still had the company owners Ipad (which I brought with me to give back). I was then interrogated as if I had tried to steal the Ipad, and download apps (neither of which are true - and the police were never involved) So they never gave me any assistance and I had to find another job, which I now have. I then receive this text from the manager a week after starting my new job [ATTACH=CONFIG]53337[/ATTACH] Basically the review was from an unhappy customer who had their goods damaged, and I agreed and "liked" the review What legal position do I have? blackmail/extortion etc? I'm not sure how they found the details of my new employer, but no references were requested, and never will be - but obviously he's saying that he will call them and basically tell them untrue information Please help

Hi all I would like a bit of advice towards writing a defence please. Let me fill you in with as much detail as I can. My husband and I split up in 2008, we were both in a mess financially and the arguments about money was one of the factors to our break up. I opened a new bank account Sept 08, and after many tough years of knuckling down working 60 hours a week plus the advice of this site, I am finally debt free apart from a mortgage and an old default which drops of in the next two months. In March this year out of the blue I received a letter from Arrow Global saying I owed them around £500 for an old personal loan I discarded this letter because I wasn't aware of any outstanding debts, although it was addressed to my ex husband and myself. I had another letter from Restons saying that unless proposals to pay were made they would issue court proceedings. I wrote back stating I was not aware of this debt nor acknowledge it, they wrote back saying again I must pay or legal action will occur. A few more letters went to and fro, eventually they sent a CCA for a loan dated October 97, I immediately responded with a statute bared letter. They claimed a £1 payment was made on this account Sept 08, I asked them for details of the payment ie. how it was received from which account etc. Earlier this month they asked me to prove to them that I had not made that payment, and prove to them when the limitation period began, I thought it was down to the DCA to prove I had made it. They have not sent me any documentation proving this payment so far. I ignored that letter because my last correspondence stated that unless they provided me with the proof of payment I would not reply any further. this week I have had the court claim through, I logged on to MCOL and said I wish to defend the claim in full. I am out of my league now, I have no idea what to put I am thinking of the SB defence but according to their letters they claim the payment was made on the 13/9/08 obviously this period will lapse during the time I am allowed to file my defence, does this make any difference? Could someone please help me pen a defence, I really don't want to mess my credit rating up for another 6 years, do you think I have a good chance of winning, or should I just pay to make them go away. Any advice, would be appreciated. sorry for it being such I long post, I just wanted you to have as much detail as possible to help me. THANK YOU ALL SO MUCH x

Hi, This is my first post so I hope this is alright... I found out a couple of months ago whilst completing a background check to rent a new property that a CCJ was issued against me in June/July last year (2013) - I have an Experian account which has no record of this and when I queried it they informed me that the CCJ is registered against a different address (and an incorrect surname), and as I don't have this address listed in my previous tenancies it will not show on my report, however when companies do background checks they can see "everything". My issue - the CCJ (and presumably all correspondence leading to it) was sent to an address that I never lived at, and so I never had the opportunity to respond. As soon as I found out about the debt I paid it straight away. I have no disputes over the debt being mine - just that I was never presented with the opportunity to pay the amount due to me never receiving correspondence. It is worth noting that the address appears on my credit file as a linked address through a financial connection but not as a previous "lived-at' address. Do I have a case to have the CCJ set aside? Also - can I request a copy of the credit agreement from the company involved? This would have been about 6 years ago. Any help would be greatly appreciated. Thank you all in advance. Sam

This is a general shout out for those that have been contacted by Erudio. Have any of you been sent new terms and conditions which they require you to sign and send back? If so, can you let me (or any of the site team) know. I would love to see a new contract and see whether the terms have changed.

https://www.northumbria.nhs.uk/media/press-releases/2014/04/07/discussions-conclude-regarding-hospital-parking

I'm having a bit of a senior moment [again] I have an ongoing claim v a financial institution to which it has counterclaimed the debit balance.... terminating the account 2 days prior to filing its defence and cc. Within its particulars it relies on a DN served some 5 years ago, my issue is that I do have the original DN and whilst its bad it makes no mention of this but relies on one it alleges it 'sent' to me some 3 days later...... I certainly have no record of this second DN, all previous enquiries with the defendant prior to filing disclosed no mention of this within its account logs and notes, there being no entries for that date. The day of 'sending' the 2nd DN as particularised being a Sunday, is there any method of service or interpretation of sending or serve which specifically refers to a Sunday?

I took out a Vodafone contract for myself through MobilePhonesDirect as it was a good cash back deal that worked out at about £10 a month. It took a while to process to the point I thought it was going to fail a check. I went to another supplier and although the deal was still Vodafone I went ahead and tried it. I was accepted and the phone was sent out. A day later MobilePhonesDirect emailled me to say the phone I ordered with them had been sent out. My Dad decided he would take the first deal and would just transfer the ownership in a few months time. I was happy with that arrangement. the second phone arrived and I opened it up for my dad and put the SIM card in ; no service. I contacted MPD who said I had to return the phone due to a connection issue. As they were quite vague on the issue I got in touch with Vodafone who said I failed the second credit check as I had recently just joined them and wouldn't be eligible for a second line until I've been with them for three months so in other words I shouldn't have received the second phone. What are my rights here? Could and will MobilePhonesDirect send me the phone back out because it was opened and will I be forced to keep the contract if they somehow negotiate with Vodafone because the simcard was inserted albeit it didn't connect to the network? I also had to pay £8 of my own money to have the phone sent back to them tracked. Thanks for any advice !

I have just received a demand for payment for an account I am supposed to have held with Lloyds. I never held an account with Lloyds in my name. The only one I can vaguely recall is perhaps one with my then-partner. They give account number and amount but no other details. What should I do?

Hi, i recieved a letter from Collectica marked "Distress Warrant" for a speeding offence. However the person who committed the offence was the previous owner of this house. I contacted Collectica to tell them the person no longer lives here but they have asked me to "prove that" otherwise they will continue with sending Baliffs. They asked me to send them a copy of my Council Tax bill to prove who I am and that I live here. First question - am I obliged to respond to this? I see no reason why I have to prove to a Debt Collection Agency who I am and that I am the owner of the house. It should be up to them to prove I am not. Second quesiton - Can they, without warning, send Baliffs round to force entry into my house? They have been informed that the offender no longer owns the house but they refuse to accept that. I am scared they turn up and break in while I am out. Thanks for advice.

I recently sent three payments from my paypal account to my nationwide account and the funds went into another persons account - the original error was a wrong digit in the account number - the bank wrote to the customer finally and they have not responded the phone and email address for the customer is not correct/not connected and the customer - how do I get my money back or how can I find out who the customer is to take it to civil court..this seems to be a huge grey area and no one wants to help - can anyone advise, I am currently waiting on the banks second letter to the customer but don't know what to do if they won't return the money. They have spent it the bank will tell me there are no funds to return at this stage. I know I have to raise it with the ombudsman and have started this process pending the banks final response...

Hello guys. I need your help on this one. I went to 3 store, and complaint about my device. the camera was not working properly. It is a well known issue for Sony devices, and guys in Sony center know about it. But here is the deal, manager in 3 store wrote down all my complains and issues that i had with the phone, i even showed him exactly what is not working properly! So here i am 2 weeks later. Got my device back. and a beautiful letter saying. "You'll be glad to hear that we've now fixed issue you reported on your phone. this repair work is guaranteed for 90 days over and above any cover provided by the manufacturer. "Our repair centre engineers carried out a software upgrade,to make sure that your mobile is working properly,we ran i through a thorough quality check" But this is all BS. because nothing was fixed. as soon as i turned on the device, a saw that all the issues are still there. So i was waiting for 2 weeks and they have done nothing! They told me to speak with a manager tomorrow, since guy who was in the shop could not explain to me what exactly was doe to fix the phone. Now i really don't want them to say that i need to send the device again. jut because i don't want to wait for another two weeks. This is crazy! Could you guys advise? Thank you!

Hi, Can anyone tell me where I can make a complaint about the DWP. I received my details through the mail as I was going to Tribunal about my DLA. I was looking through the paperwork the night before my tribunal to find a page with big black letters on it saying "YOUR BANK DETAILS HAVE BEEN REMOVED FOR SECURITY REASONS". Great my personal details not been shown until I turned the page to find MY WHOLE BANK ACCOUNT DETAILS. I do believe I can complain about this but I do not know where to send it . Can anyone else please.

I am not sure if I am in the right place. I have just been sent this by the local neighbourhood watch alert system An email circulating purporting to be from Action Fraud, threatens legal action because of failure to provide Western Union details to PayPal [22 August 2013] Threatening [problem] email from “Action Fraud Team”: Threatening [problem] email from “Action Fraud Team” Threatening [problem] email from “Action Fraud Team”: Threatening [problem] email from “Action Fraud Team”The personally addressed email mentions a recent transaction with "Mercy Peters" and threatens legal action because of refusal to provide Western Union details to PayPal. The [problematic] claim that "Mercy Peters" has contacted Action Fraud to make a report about the violated PayPal agreement and request a scanned receipt and Western Union details within 24 hours in order to stop your name and address being sent onto law enforcement agencies. The fraudsters are sending the emails from this address: action.fraud@cyberservices.com. Action Fraud would never contact you and make threats in this way. If you want to verify communications claiming to be from Action Fraud you can call 0300 123 2040 or email action.fraud@nfa.gsi.gov.uk. Follow the tips provided by Paypal to stay safe from PayPal scams: Log in safely: To log in to your PayPal account or access the PayPal website, open a new web browser (e.g., Internet Explorer or Firefox or Chrome) and type in the following: https://www.paypal.com/ Look out for attachments: PayPal emails will never ask you to download an attachment or a software program. An attachment found in a PayPal [problem] email will often contain a virus that can harm your computer or compromise your PayPal account Never give out personal information: If Paypal require information from you, they will notify you in an email and request that you enter the information only after you have safely and securely logged in to your PayPal account. If you receive one of these [problem] emails report it to Action Fraud on 0300 123 2040 or by using the online fraud reporting tool. Please use the buttons below or click here to reply and here to rate this message Click here to reply to this message Please rate this email by clicking here Click here to view a printer friendly version of this message Click here to view the various options for forwarding and sharing this email Click here to login to your account Click here to unsubscribe or edit your message settings Click here to tweet this message to your followers Click here to forward this email Click here to share this message on Facebook Let the system builders know about any faults you spot by clicking here

Morning A friend lives abroad (moved countries regularly) and has occasionally stayed with me when back in the UK. I just received a letter addressed to my friend at my address. As I was expecting communication re my own tax return I opened the letter before realising it was for friend. The problem is that the contents scared the living daylights out of me ... it is a demand, with threat of bailiffs, for unpaid tax dating back many years totalling just under £200,000 !! I am aware that debts can be recorded against properties - and I really do not want a black mark against me/my property as I may wish to sell it later ths year - so what action should I take ?? Am guessing this is serious !! I have sent a message to friend asking what I should do, but so far have not heard back. I am also aware that it could be a big mistake - that hmrc have made estimates as no returns have been filed due to friend being overseas. But am really nervous....

Hi, This is my first post and I would appreciate any help regarding my situation. I received an invoice from the council demanding payment for the back yard they cleaned in one of my rented properties 8 months ago or they will pass on to the debt collection agency. They say they cleaned the back yard after complaints and in accordance with the prevention of damage by pests act. I questioned them that I did not receive any notice to my permanent address which i reside in. Strangely they send me an invoice to my current address . The council said they sent the notice to my rented property and obtained my details from the land registry which states I reside in the rented property. Can somebody please give me some advice on how to go about challenging this or don't I have a chance at all but to pay them? Thanks

Hi guys, I need advice. I got a letter from nciuk.com and they called to my house the other day. I told them I didn't have time to talk to them but they called last night and I arranged a meeting tomorrow. Have I done the right thing or should I cancel? I literally have no idea about these people. He keeps telling me he cannot discuss the details of the account and that they are just a 3rd party hired by banks to do a report about why my debt hasn't been paid rather than there to collect the debt. When I asked if it was to discuss payment options for paying it back he again said no, he could not discuss this and was only there to feedback to the bank as to why I had missed payments. Thanks in advance!

hi, could anybody tell me if this is a warrant issued by the court ive had 1 letter from bailiff asking for £385 i asked for a copy of the warrant also a breakdown of the charges this is all they sent its not a good copy ive done it as a photo as printer scanner isnt working, id be glad of any comments as i think the charges are exsesive, the bailiff only dropped the letter off saying they would enforce the warrent, hand deliverd, works out about £250 i dont think its a reasonable charge i also thought the warrant would have had a stamp or at least been signed, appreciate any help many thanx

Hi, Sorry if this is in the wrong place, I'm new to all of this! This is a complex one! Bit of background. 4 years ago my (now ex) partner took out car finance in his name although registered the car in my name. Regular payments were made from HIS own HSBC account until we split up in 2010. It was decided that I needed the car more than him so I took over the payments and notified the finance company (VWFS) of the new bank details from MY own HSBC account. I have email proof of this (and of course a record from my bank statements) I paid the finance off in full in August 2012. However, a letter came from VWFS saying that an overpayment of £251 was made when the full balance was paid off and that they have refunded it to the HSBC bank account. The problem I have is that they have sent the refund to my ex's HSBC account which was actually closed about 2 years ago! I emailed VWFS to explain and they have replied to say that the payment hasn't come back to them and that there is nothing they can do unless they get it back. The next problem is that it is possible (probable) that HIS account was in arrears prior to closing it as he got in a huge mess financially and I think I remember him saying that he went over the overdraft, amongst owing countless other firms. I presume this was never rectified (we no longer speak so I cannot be sure). So questions are: If the account WAS in arrears can HSBC lawfully 'take' any payments made into it even after this long? Or would they have 'sold' the debt (or whatever they do) Same question for if NOT in arrears! Regardless of above, aren't VWFS are partially at fault as MY new bank details should have been on file when they were notified of the new payment details for the Direct Debit? Surely the old ones should have been deleted for data protection, or at they should have at least got in contact to double check the details on file were correct? And finally, have any of you lovely people got an email address for HSBC please? I have looked on Google but can't find one. I hate speaking on the phone as I get all flustered, especially when trying to explain complicated things like this! I hope you can help. I feel wronged as this is rightfully MY money, not my ex's, or HSBC's. Thanks for reading

Hi, having had letter from Northanpton clearing with claim by Varde over MBNA, I found myself reading and reading on this forum. Most seemed to point to a CPR31.14 request which was sent and I've had an acknowledgement letter, but that was over 4 weeks ago now and nothing else. I expect the answer is here somewhere but I cant seem to find it so any help would be appreciated. My question is:- what now? i assume as they haven't complied in short time they cant find/dont have the documents, so should i be applying to the court to get it struck off or something? if so how do I go about it please? or do I just sit and hope they never do so case just sits on books forever? would really like it struck off completely so I know its dead and ended, but really not sure what to do next. Hopefully someone here can advise me or point me to existing threads on my next move. any help gratefully recieved

i recently sent my tv back to perfect homes to be looked at as it was turning itself off they brought it back saying there was nothing wrong with it but when the people who brought it back left we noticed the base of the tv had deep scratches on it i have phoned the store to demand it be replaced but was told they will call back can someone tell me where i stand on this i have the cover plus insurance with them if they cant replace the base can i ask for a new tv?

Ok this ones a bit weird Bank sent Me a letter for an old account a couple of months ago saying I owed them money on it and were now sending it to a DCA to collect it for them. Today came home found a letter from bank with a cheque for over 3 times what they claimed I had originally owed them. the letter seams to be from the same dept of the RBS credit management services even has the same name at the bottom Sue B Letter says My name account number(same as the one they claim I owe money on) sort code Balance £*.***.** Fowlling balance reductions there remains a credit balance of £*.***.** which has been returned to you via the attached cheque. This just doesn't seem right my luck is never that good is this legit or has somebody got a hold of my old account and trying to pull a fast one on me. I did pay my old mortgage from this could it be some sort of PPI payment I had forgot all about.

I just wanted to get an understanding if anything could be done about this.... I have a claim that I raised in dispute against a large company in Jan 2011. This went back and forth for exchange of letters on liability for a while. In the end they told me to jog on...so I issued a claim against them. It was defended and is set to go to court in December. This claim is for around £300 Two things happened, I had a telephone allocation hearing at which point the judge slightly chastised the solicitor for not engaging in mediation or trying to resolve the issue. Secondly the Defendant wanted an entire day to hear the claim, judge wasn't best pleased and gave him 90 mins, and stated that the hearing is only to determine whether or not the item in question met the legal requirement (not all the other issues that are being clouded by the Defendant). An order come through around 10 days later and within that order both sides had to file and serve all documents they wanted to rely on at the hearing, this was set at end of October. Subsequently today I received another document from the Defendant simply saying: Please find enclosed supplementary bundle documents which the Defendant intends to rely on at the hearing. Is this allowed? I don't really want them to be sending documents left right and centre, even though the court set a date.

I sent my ipad for repair to an online site in Urmston Manchester called Urmston computers,looked a genuine site,payed half cost then rest when repaired by paypal,I am still awaiting delivery after 2 days and somehow have a feeling it wont turn up what are my rights if it does not show up do I need to go through small claims court after putting in writing whats happened,delivery was by courier and return by courier. I have phoned his shop and he said it will be delivered today did not have tracking No but said will send it but nothing,have a really bad feeling over this.

Hi All I reaaally hope someone can help me. I have been living at a flat through a housing association for over 3 years now. From November 2011 until March 2012 I wasn't able to pay my full rent every single month due to some financial issues I was going through at the time. Since April 2012 things have been better for me financially so the housing association agreed on a repayment plan to clear my debt. I have not defaulted at all since then, however 2 weeks ago I received a letter shoved through my door from a company called Churchill Recovery Solutions Limited and that letter was typed on a letter head from my housing association. It said that they came on behalf of my housing association to carry out a Tenancy Audit It was even signed on behalf of (Housing association) with a photocopied signature. Beside that signature is another photo copied signature from a Field Sales Manager of Churchill Recovery Solutions. I am very confused and a bit worried because they have just shoved another letter through today. I hope someone can give some advice. xxx

Hi Peeps Long story but i will try and keep it short and sweet, I used to own a house a couple of years ago and since my parents are not well i decided to stay with them at their house with my wife so we can look after them. The house that i owned was vacant so i let my sister move in their until she found her own place to live. My sister was responsible for all the bills etc at the property and i don't know how she managed to rack up a big bill with E.ON regarding the gas. I was not aware of this until i got a statutory demand for the out standing amount sent to my own house were my sister was living. I confronted my sister about this and told her to get it sorted and she managed to make an arrangement plan with E.ON to pay the debt off. Just recently to my surprise i had a letter posted through my parents house this time and it was another statuary demand from E.ON! I consulted my sister and asked what was going on and she had told me she has been paying them the debt off. I immediately sent a letter to Parry & Co solicitors who were dealing with the matter on behalf of E.ON and told them the situation that the house is on my name but my sister was living there and she is getting this sorted out with E.ON direct. I didn't hear anything on this matter for over year and thought this was the end of it and since then have sold the property. Last week i was at my parent and heard a knock on the door.. opened the door and it was a lady with a letter in her hand and she asked me if i was so and so and i confirmed yes i am and she gave me the letter and said "I have come to serve you with a petition for Bankruptcy"! I was shocked and confused at the same time and decided to open the post we received on the day and was faced with a letter from the Land Registry office informing me of the same thing! The letter was addressed to my Father who shares the same first and surname as me and when i got down to half way of the letter it was actually for me as they used my full name including my middle name. The thing is i don't own my parents house which what i assume E.ON are thinking hence they have sent the bankruptcy petition. The property is solely owned by my father and as stated i am just living there to take care of them and have nothing to do with the property. My father rang the land registry office explaining that he is not the person named on the petition and that its actually been sent for his son (me) ,they wanted this is writing which he has done and they have now cancelled the petition. What i would like to know is what going to happen now? i have a court date set for 21.06.12 and i have sent form 6.19 to the court and to Parry & co via special delivery today stating to oppose the application on the grounds of I have no Knowledge of the debt. The Bankruptcy petition has been cancelled by the Land Registry Office due to the fact it has been served on my father’s property at (parents address) who is NOT the person named on the petition and is the sole owner of the addressed property. In the letter received from the court is states in section number 3 the debt is in relation to gas supplied at -(parents address), Which is a FALSE claim as i (my full name) have nothing to do with the bills at the above property and my father namely(fathers name) who is the sole Proprietor of the above addressed property has never used the Claimants company for any Gas supply at the property. Since the petition for bankruptcy was cancelled by the land registry office due to my father not being the person named on the petition have i done the right thing by sending the courts and the solicitors involved form 6.19 ? or should this have not been necessary as it already been cancelled? will i still have to attend court on the day? any advice will be helpful Thanks in advance