Hello, I am looking for help and advice relating to this on-going dispute I have with the Nasty-west. (Edit) Long story so give you the short version. Reclaimed back bank charges before they put a legal stop to it. Tried to reclaim Advantage gold service charges -they denied it Reclaimed ppi on one loan.. They have never reviewed or addressed the three previous loans with ppi on them. I refused to repay the loan until the resolved the ppi- they didnt. Instead they told me to court and won over a technically and obtained a charging order on my house. I have contacted the ppi deparment on 2 occasions for redress to the previous loans with ppi. They don't even answer me. The CCJ they obtained for the loan is an accumulation of the loan, bank account, mis-sold ppi and mis-sold advantage gold service. So as far as I am concerned they are take money from me via shoesmiths that they actually sold fromme. Any help or advice greatly appreciated

Hi Everyone Desperately looking for advice and help. My wife and I have a joint Lloyds current account held for 15+ years (I have been a customer for 50 years but that makes no odds). Due to personal circumstances of having a disability I am now in a position of not being able to work. This account has an overdraft limit of £3500 but currently it is £3509.35 O/D. So not much over its actual limit. For clarity we were sensible enough to have a "parachute account" though this is with Halifax, but I believe it to be ringfenced? The Lloyds one is "inactive" and the only movement on it will be Lloyds own charges. We were making ends meet reasonably well and very gradually paying this off, until Lloyds TSB changed their charging regime a year ago. This has nearly tripled our charges from the original charging regime. After the second stage implimentation where the charges went from 1p for every £14 OD to 1p for every £7 OD we have not been able to cope and it is those charges that effectively stopped us being able to get on top of this account, and indeed, pushed it into the £9.35 over the OD limit. When we got the initial letter informing us of the changes in charging (from £14 to £7) I immediately wrote to them informing them that we did not accept their terms and conditions, and what as the way forward in these circumstances? The letter never garnered a reply, and lately, Lloyds have denied ever receiving it. I then complained, after receiving standard threatening letters. I have since spoken to varying departments of differing names, each giving me slightly different stories. I was sent an IE form, but this did not appear to be their standard one, nor from the correct department. All the time my simple question was asking them to outline any ways forward, the consequence of each of those ways, and the costs involved. To me these seemed very simple and sensible questions, as I wanted to know how this would affect my wife and I in terms of credit score (not that I particularly care, since we lost our house to Halifax when I first became ill). I also kept asking them to explain how they were fulfilling their obligations under BCOBS with regard to our case. These requests were out rightly ignored. Lloyds continually refused our direct requests for help and information. Both by letter and phonecall. They seem reluctant to put anything in writing, preferring to talk on the phone. I did start to record these conversations. Eventually, after 6 long months of prevaricating, a Complaints Manager wrote to us, outlining three differing ways forward, however, one involed paying the whole lot in one go, getting a hugely expensive loan, or that they would simply default it, add it to our credit record and probably sell the debt. All these options (bar paying outright) seem to require an IE form. A blank proforma was sent by them and was wholly different to the original one I received (I hasten to add neither have been filled in as yet - as I wanted answers to the BCOBS questions - they had again ignored the question of BCOBS) I was then rung up and told that this account was being moved to some team I had never heard of because it was clear from "our IE form" that we could not afford any payments. This is EXTREMELY interesting as we had never sent one in. On ringing they were pretty adamant one existed and had referred to it on several calls. Not sure, but I consider this to be fraudulent misrepresentation of our IE? Of course no-one could find the "original" (it doesn't exist of course) and a further complaint made. They eventually admitted that there was some sort of error and decided that someone had erred in simply recording that one had been received when it hadn't and it was simple human error. For that they sent a cheque of £100 (doesn't cut it for me frankly). That they kept referring to it suggests to me one was actually there, whether that be someone else's by accident, or one had simply been made up - I suspect the latter as a couple of times it was admitted to me that figures were inputted based on a single, throwaway conversational sentence I had said to someone on an earlier phone call about us having difficulties. This IS NOT, and surely cannot, be termed an IE form? I complained again saying I was unsatisfied with their response, and why they were at it please could they answer the BCOBS question. It inevitably went quiet, until I had a phone call from another team asking me how I wanted to pay. Naturally I hit the roof, (but in a polite and controlled manner - no swearing etc) and bounced it straight back to the caller, who probably wished she hadn't rang. After an hour and a half talking to me (I sure will waste their time) she agreed the responses were not "ideal" and promised to take ownership of the issue, and find out why my complaint hadn't been answered. The account was put on hold for a further 30 days. Of course I heard nothing, until the 30 days were up when I got another demand. A phone call in resulted in the operator again mentioning the IE form (which doesn't exist -and notably, she referred to it first, not me, so despite the admission it is all an error, the error still exists in their records). Of course I complained and was passed to a complaints manager. The Complaints Manager identified that the lady I had spoken to about a month before had passed my complaint to a complaints manager called Shelley. However, she admitted Shelley had done nothing about it and promised to chase it. I asked her to get Shelley to answer the BCOBS question, explain why she hadn't bothered to answer the complaint the firsts time, and I wanted to know the history of the "ghostly" IE form, as I suspected their contention that it was simply a tick box error was not correct. Amazingly I did finally get a reply from Shelley. She ignored the reason she had not replied in the first place, told me the issues surrounding the IE form had been resolved and explained (they haven't), and that when the Bank put their charging structure to the FCA it was approved and therefore met BCOBS. She suggested I take the issue up with the Ombudsman - but had to within six months of their "final response" which she contested was much earlier. She didn't mention what letter that is, nor can I find one with the words "final response" on. Further, surely her letter, by being the last, is the final response? Clearly this is an unsatisfactory reply. I am unsure what to do next? This issue is causing my wife and I huge amounts of stress and time, and coming on top of losing your house to the same banking group (though the judge found they had overcharged our mortgage by nearly £10k, not followed proper procedure etc and were severely criticized by him) it is not great. The simple facts of the matter are that I don't feel they have acted in anyway professionally on these complaints, or in any way tried to strike up a sensible, proactive and constructive dialogue with us. Furthermore, they have acted at best unprofessionally, at worse, perhaps committed fraud (or is that a bit strong?) by acting upon an IE form that either didn't exist, or worse, was simply made up. I feel our relationship is wholly broken down and I cannot trust them one iota. It is apparent to me that they will twist, or lie, simply to cover themselves, and conversations are not recorded accurately on their written notational system. For instance on their system they have recorded that I simply refuse to fill out an IE form. First of all I don't think I am under any obligation to do so, and secondly I have never refused, just asked them to outline the options for us first, and explain how they meet their obligations under BCOBS and then I would do it. My other big problem is no single point of contact, various departments that make no sense to me, all seemingly overlapping, but none willing to take ownership, and all blaming each other, or not knowing what has been said. My big questions are: 1) I am unclear of how our account not stands, they haven't said, nor have they said what department it is in, nor what will happen next. 2) how do I get a single, sensible, point of contact with them? 3) I could just pay the £9.35, that wouldn't be an issue, but then next month I guess they would hammer us with a £90 charge, so how does that work? Would we then be £90 over our OD limit? Surely this is what BCOBS aims to stop? I can see that this would just spiral uncontrollably, and it is why I have been trying to keep the account frozen. 4) I could just let them have a default, doesn't really affect us as far as I can tell with credit rating, as ours is poor anyway and we don't apply for credit. However I worry slightly about the debt being sold, but as I understand it if there is a dispute about the amount (there is) then there is little a Debt Recovery agency can do? 5) I have offered to pay £10 or £20 per month, provided there are no charges or interest added to the account. They have refused citing both that our IE form shows we cannot pay it (!!!) or that we haven't given them an IE form. They have also indicated that this sort of amount wouldn't be acceptable to them anyway. 6) We have suggested the charging regime is put back to 1p in every £14 - at least we were slowly managing that. However they have point blank refused; Given their history of messing this issue up and being so unprofessional, that they call it quits and simply write off the £3509.35. They have refused to even entertain either of these. 7) I can go to the Financial Ombudsman, but I see that it has little teeth, and the banks seem to ignore it anyway? 8) Do I have a claim under BCOBS? it is clear with our credit rating we can not go to another organisation for a loan, or account, so Lloyds have effectively "trapped" us into paying extortionately high charges, or otherwise accept their terms, which they are unwilling to discuss or help with. 9) If there is a claim there, how do I go about it? 10) what should I do next re with contact to the bank, given they last sent me a brush off letter? Really sorry for the extremely long post - probably too much info?

Please can anyone advise log book loans got a charging order on my house - i wrote to the company thats dealing with things they responded saying another rcompany had bought their debt and i could make an offer to them to clear , I havent contacted them yet as i didnt want to say anything I shouldnt to them - Im so confused by everything , does anyone have any advice please ? Thanks very much

Hi, I am having problems with a company who are trying to levy on substantial charges that they promised do not apply to me (have it in writing several times as well as verbally on numerous occasions). I decided not to use their services because of multiple failures on their part, but they are still trying to charge me. However the company is watching me online and I can't name them, nor the type of company they are because it's a specific type that there are very few of and they will immediately find it. They find everything I post and then send legal threats saying it's slander. Is there any way I can liase with somebody privately about the issue to get some advice? I'm not sure if I'm taking the right course of action.

I hired a van from Sixt Car Hire in Leeds in early June in order to move my belongings to a new house. I hired the van just for the day and used Sixt as the prices were competitive and they were located nearby. When I picked up the van I was shown around it and giving a considerably long list of pre-existing damages. It was clear the van had been in quite a few incidents before as there was considerable dents, scuffs, scratches etc. When I rent a car I usually take my own pictures of the car but stupidly didn’t in this case mostly due to the tight time schedule I had for being able to access the loading area near my flat (my fault). I used the van for the day without incident. When I returned the van, the office was closed and there was no one there to receive me or check the van. There was only a locked drop box for hire keys. The van could only be left in the car park which has no gate or fence, just open to the public. The next day I received an email from Sixt saying thank you for using them and my deposit was returned. A few weeks later I received an email saying there was damage to the van and that I was liable to pay £586 pounds in damages. They attached a form which had a box for me to state whether or not I believed I was responsible for the damages. I said that I wasn’t and that there were no incidents whilst the van was hired to me. About a month passed and I received an email from Sixt stating that they reviewed my response and decided I was responsible for the damages and that I had two weeks to pay them the money. In response I requested that they please send me time stamped photos of the damages before and after I hired the van and proof that the van wasn’t damaged after I left it in the drop off area. Sixt didn’t acknowledge my email and just responded that I had 14 days to pay the damages. I again replied requesting the data and attached the previous email I had sent to them and stated that I formally was disputing the claims. Sixt then responded with photos of the van which when I looked at the files had no time stamp on them. There is also no photo which shows the claimed damages as well as the van in the same photo. Only far away photos of the van I hired and then very close up photos of the damages where you can’t see any distinguishable details of the van. They also have not responded about how no one was there to receive and check the van when I dropped it off. Two days later I received an email from Sixt stating the following: Further to our previous letters regarding the above damage, we have still not received your payment for the claim. This account will now be passed to our external solicitors to commence recovery action against you unless you make a payment within 14 days. I have no idea what I can do to refute this, I didn’t damage the van and feel that I have no way of defending myself. I feel like if I don’t pay the damages the fees will just get larger. If anyone could please advise I would be very grateful. Steph

Hello Try to be brief. had a ltd company back in 2005 with an overdraft linked with a personal guarantee. The company is now dissolved and Lloyds obtained a CCJ against me for the bank overdraft of £7900. I did not know about this until I searched Land Registry and saw a charging order on the property. The charging order was dated 2009 I contacted Lloyds who inform me that they no longer have the debt as they sold it and passed liability first to Hillsden and then to Cabot and lloyds. I have requested from lloyds all the copies of the original loan details, Ts&Cs etc. They have refused to pass on these documents as i am "Not Entltled" to these documents as the company does not exist. I have had no communication or updates from Cabot. Lloyds say that I must ask Cabot to release the charging order although in the name of Lloyds. Is all this correct? Any advice appreciated

Looking for advice regarding a really old CCJ, Interim and Final Charging Order placed during an IVA. My partner and her ex both entered into a joint IVA I believe in 2007, one of the creditors was Lombard Direct (part of RBS I believe) was included in the IVA. Lombard Direct did not respond to any requests to company managing the IVA at any time during the process, so did not receive any dividends whatsoever, but the debt was listed. My partner was informed not to engage with any of the creditors involved in the IVA at anytime. The IVA was completed successfully and completion certificates issued in 2011. So we now discover that a charging order has been placed on her property by Lombard direct at a date after the commencement of the IVA, this is something that she had no idea about until now as it is only now that she is looking to sever financial ties with her ex. and is wanting to sell the property or transfer equity, this charge has been flagged as an issue with the new mortgage provider. Upon further investigation it would appear that the IVA commenced in Feb\March 2007, the CCJ was obtained in May 2007 the interim CO in May 2007 and the final CO in Sept 2007. My partner is adamant that no paperwork was received, she may have been abroad at this time working or living at an alternative address. My partner has tried to contact the company that managed the IVA which unfortunately has been taken over, or bought out a number of times over the years and has had little success in getting any advice or information as to what to do. Equally the insolvency service have been unable to provide much information due to the age of the IVA. So we are appealing for help or advice on how to take this forward, given that there was no knowledge of any proposed legal action it was not possible to make any response to the action taken over the debt. The debt was covered by the IVA so any action should not have been valid. Would it be possible to make an application to get the charging order set aside? Sorry for the long post but we would really appreciate any help or advice on this matter. Thanks

Hi all I've been researching alot just need a final bit of info please . I found out last year I had 2 charging orders against me /my property , finally found out who they are from one being Nine Regions which has since been liquidated . I am writing to the court on form N244 to ask for it to be removed . i was seriously ill at the time and in hospital in a coma for quite a while , a lot is a blur , Ive mentioned this and the fact that the company is liquidated . Is this the correct procedure please ? I know I should write to last known address but on companies house its a c/o address a Corporate recovery company , should i still write to them or not ? Thanks very much in advance

Hello all and hope this is in the right area for posting this...if not I can remove and repost if directed, thanks. Ok here we go...the sob story....I have had my head in the sand about all my debts for years, mostly from losing my job in 2009, family loss before and after and some health issues since but none of that really matters as the ball keeps rolling...so to now! Where having had Land Registry contact me (a second time) with regards to both a RESTRICTION & an AGREED NOTICE (for 2 separate debts), it is clear that this cannot continue so I have to do something about it, so if anyone can give me some advice or point me in the right direction of what I can/should do then I would greatly appreciate it! Not sure about how much info you need but will provide as much as possible, in as concise a way I can (I am able to scan any of the documents I refer to herein if needed). Debt 1: £3018.44 (inc. costs/interest/fines) Original Creditor: Halifax Original Loan Date: This was a bank account and monies owed is overdraft Original Loan Amount: £2000 (overdraft limit) Debt Company(s): Cabot Solicitor(s): Mortimer & Clarke Date of Land Registry contact: 27/06/18 Action of Land Registry: Document B132 ‐ ENTRY OF AN AGREED NOTICE Notes: I have no old bank account documents from Halifax but can always request them? Not sure if that is possible... Have previously made payments (of £1 & £10 an agreed payment plan) but no payments made for over 6/7 years Debt 2: £8501.21 (inc. costs/interest/fines) Original Creditor: Northern Rock Original Loan Date: 2007/2008 Original Loan Amount: £7000 Debt Company(s): HPH2 EX SANDTANDER UK PLC, Robinsons, Hoist Portfolio (which is also the same company as HPH2...I think) Solicitor(s): Howard Cohen Date of Land Registry contact: 24/08/17 Action of Land Registry: Document B136 (CO) ‐ AN APPLICATION TO REGISTER A RESTRICTION AGAINST THE LAND Notes: The original creditor loan was taken out with Northern Rock but I do not have any of the old documents Not sure of the exact date that I took out this loan but think it was at the end of 2007 early 2008 I have not made payments to them for over 6/7 years but their documentation states £0 paid at all ‐ I would have to request old bank statements to confirm Guess the question is can I do anything about having these removed? Are the debts still enforceable? Should I ask the Debt Companies for the date of the original loans? I think they got the charging orders in before the end of the 6 year period for collection (not that I was playing it that way just from what I have read recently. Can I still ask them to provide proof of debt? i understand that it is a horse bolted situation but even if it is to go back and work out a payment plan etc then so be it and I am not sure I am even asking the right questions. Ideally I just want to get this straight and cut the worry about losing my house and find a way to become debt free! Really, any advice given is sorely needed. If you need more info about the situation or about me then please ask. Thank you, Bob

We have a de-linked unsecured loan (part of together mortgage, but we moved mortgage) from 2006 for £29k, we have never missed a payment, the past few years we have had agreed, reduced means tested payments NRAM passed it to a solicitor who have managed to issue a CCJ against us after saying we missed six months payments..we didn't. We called the solicitor from the CAB on the morning of the court date (October 2017) and CAB manager explained we hadn't missed any payments. They agreed to stop the court action that day (in an unrecorded phone call!) CAB manager then asked them shall we fax the court form in and of course they said no, it's ok. Well they didn't stop the court action and got the CCJ.. We went back to CAB in February and the manager called them again, they had an interim charging order by now.. we sent a letter on my insistence to the court with proof of all payments and got the court transferred to our local court 2 weeks ago. We thought this was to appeal the process but the judge explained it was to make it into a final charging order. Unfortunately we have had really poor advice from our local CAB debt manager and didn't apply straight away to stop it or set it aside straight after. The judge seemed sympathetic and said we have been poorly advised, adjourned until early September as we said we cannot be certain we still owe £29k as we have paid off over £17k and now the debt is back to where it started. I assume NRAM have whacked on a load of interest and charges when we were on reduced payments. We hope we can prove we owe significantly less than the £29,500 they say. I am about to send off a SAR today using your template as we haven't had statements since 2011, which I now know to be because our regulated loan was in fact unregulated... and isn't covered by CCA. It's a living nightmare, I'm convinced they will then go for an order of sale, even though they say they won't. NRAM have spoken to us as though they have no control over the solicitor's actions and are being vague. I don't want them having control over this, I have a 12 year old at home who is settled and doing so well at school.. we had every intention of settling when we sell in 11 years at the end of our mortgage and have never missed a payment. I hope I can get the statements back in time to look through them and they don't delay the SAR process too much with delaying tactics. Any advice would be appreciated! And do we send one SAR with both our names, signatures etc on it, and do we ask for just the statements since 2011 or everything? Many thanks.

I usually give advice on this site but now need some myself The company that owns the Freehold of an old property of mine sent a bill for ground rent to that property which was not passed on by the tenant. They have since instructed a Law Firm as Debt Collectors who has charged me 2 lots of £180 for a letters sent to the rental property and then later to my registered office. I paid the initial sums owed as soon as I got the 2nd letter to my registered office but not the Debt Collectors £360 fees. My question is where do I stand on the amount of the fees charged? £180 per letter seems ridiculous. I've offered £90 to cover any expenses incurred which has been refused. Any help would be greatly appreciated.

Hi All, Not sure if this is the correct forum, I have a somewhat difficult situation I am contending with. in summary; I had a lease vehicle; prior to the end of the lease arrangement I arranged the inspection (Thurs 15th March 2018) and collection (Sat 17th March) with British Car Auctions (BCA) in accordance with what I had to do (inspection within 7 days of collection and end of contract). BCA failed to turn up (i took the day off off work!)! I called BCA who advised that they had made a mistake and schedule my inspection and collection for the incorrect dates. They advised management would contact me and they would rearrange. I received no contact. I repeatedly called to rearrange as I was aware I was now out of my contract date (phoned Audi to advise of situation). Was unable to get a response. Monday 19th March BCA turn up at my front door at 7:45am unannounced to collect the car. I advise that it has not been inspected and the collection date was 17th. Two collection agents then sat in my living room for approximately 2 hours trying to get through to their head office to check if they could collect the vehicle. Eventually advised that they could not, and went on their way advising BCA would contact me to rearrange. Fast forward several weeks of trying to arrange the collection and inspection and fit with BCA's availability and I mange to arrange inspection and collection (difficult as I work away for long periods of time and they have limited availability). Car was inspected Tuesday 17th April (another half day annual leave) and collected Friday 20th (half day annual leave). I have now received an invoice from Audi for the additional rental. I have spoken to Audi via telephone who agreed that this is BCA's error and they should cover the invoice, however Audi are still invoicing me as it is my contract! Audi have tied to contact a manager at BCA and also ha zero success. I am going down the formal complaint route and any tips on acts, cases, precedents or what I should include / not include in the letter would be gratefully appreciated. My first thought was to list it chronologically as above. I can go through phone records if required and list every call made and received (all via my mobile). I would like the invoice covering by BCA, and if possible compensation for the annual leave taken whilst waiting for their failed inspection and collection. Also, to add to this. I queried if I should even be responsible for this complaint as I did not employ BCA, Audi did.(my original complaint was to Audi) They advised that they are satisfied that the complaint against Audi has been resolved and I need to pay the bill and try to recover the costs from BCA. Please help!!

Hi, As the subject says I have a interim charging order from 2009 with Lowell. I have been reading online and it says that after 28 days it would automatically be made full. I checked the land registry last month and its still showing as interim is this normal? My current plan is to do a Subject access request on the 25th May (when GDPR is live) and check that my credit agreement is valid and that the correct process was followed. The debt is an old credit card and I'm also sure there are many charges on there that make up the debt. So I aim to reduce or best case have it removed for good. Has anyone had success with Lowell like this? Thanks

Hi I am looking for some help... I own a property with my daughter. We have a 75% mortgage and a 25% loan from Redrow that is due to be paid next year (10 years interest free) I am not working, on ESA with no prospect of a return to work. I have a final charging order on my share of the property. We have been trying to negotiate with the solicitors who have the charging order to pay this at a reduced rate as there is no equity in the property, actually 15K less than we paid. My daughter wants to pay it and move the mortgage to her name and pay the redrow loan. She now earns enough to do this. Solicitors won't accept a lower amount which means my daughter can't remortgage. Our relationship has broken down and it's vital I move, I also need an adapted property. Is there any way to take it back to court and ask for this to be lifted and made unsecure or get the judge to order a lower settlement. They have £3k in fees added from the original £8.5k to £11.8k Anyone know if there is anyone I can talk to about this? thanks for your help

Some years ago now I got into debt and at the moment I am in a much better position. I have a CCJ that I have not paid anything off and its over 6 years old now and not showing on my credit history. I have 1 debt that is also statute barred now for around £3600. My wife also has a CCJ that will disappear in August which she has not paid anything off. She also has 1 debt that has a charging order on her half of our house which is being paid. Since all these debts and the charging order there has been a family death and we have paid off our mortgage. Regarding the charging order would it be worth asking for a settlement? Bearing in mind that the DCA will know that we no longer have a Mortgage and as far as they know we will never sell our house as we are happy where we are. However we will in the near future want to move to my mothers house as she is now in care, but the DCA dont know that ;-) So do we try to use this to our advantage to get a reduced full and final?

Can a company who placed a charging order on our property stop me from selling please?

My daughter took her ex to court over monies he owed her, currently standing at over £6k. She won but he paid her nothing a year later she went back to court and the judge awarded her a Charging Order over his property (he co-owns with a previous ex). She has tried to register the Charge with the Land Registry but they appear to have awarded a Restriction. What is the difference and what should she do?

We rent retail premises which has a totally separate flat above it. A box on the wall at the rear of the property contains the electricity meters. British Gas were 'kind' enough to update the meters to digital style meters a couple of years ago, leaving the old meters in place but in the process they connected BOTH properties to one new meter. This means that British Gas are now billing the tenants of the flat at a domestic rate and ourselves in the shop on a business rate for the same electricity. We have it in writing from British Gas that this is the case, despite this, they were unable/unwilling to do anything about it, so we took our case to the Ombudsman. The Ombudsman agreed BG should rectify the problem, but it did not happen, BG ignored the request and the Ombudsman tells us they have no power to force BG to carry out their recommendations. British gas have promised numerous times to come to meet us at the premises, so we can show them what has been done but never turn up, obviously BOTH bills are incorrect, since each bill is for the electricity used by whole building since there is now only one meter. Does anyone at all have any suggestions as to how we can get British Gas to take some action?

Hi, I wonder if anyone can help? Today I received a letter from Mortimer Clarke Solicitors acting on behalf of Cabot Financial and tyring to get a charging order for an unpaid debt. attached to the letter is copy of the county court judgement dated 6th July 2017 and a copy of the intermin charging order dated 7th September 2017 it states I have 14 days from the date of this to send in reconsideration and unless the judgement debtor o any other person files and serves their objection to the continuation of the charge in writing, within 28 days from the date of service fo the order, the application will be considered by a district Judge no later than 26th October 2017.. Firstly, I have no clue as to what this debt is for, had no clue that it had been to court (until today). The debt is for £4,895.22. What do I do? As in how do I go about finding out what this debt is for, overturning the judgement etc? Any help would be much appreciated. Many thanks Hannah

Hi I own a small company with 3 employees only been running since April this year I had booked a holiday and 4 days before I went away one of my employees left without warning. I had no choice but to contact my local agency to employ a temp worker to cover the period I was away 10 days in all . It was quite a straightforward process with just a couple of forms to fill in and sign one of which was thier terms of business . All done over the telephone with the forms being emailed back etc . I queried the hourly rate whilst on the telephone as it wasn't written anywhere (I have never used an agency before ) and the administrator put me through to another lady whom I assume was the manager she told me that the hourly rate was £12.80 for a min of 8 hours a day and then after that it was time and a half. The ten days would include 2 saturdays and a bank holiday . The agency asked me to pay up front as apparently they take a line of credit to ensure that each worker is paid but thier credit company wouldn't lend agaginst my company as it had been newly formed . I thought this was a bit strange and said no I'm not prepared to pay upfront but would pay for the first three days after they had been completed and then the remaining 7 days a couple of days after they had been completed which they agreed to . Due to the nature of the work I insisted that I must have the same person for the duration of the contract which again they agreed to. The agency worker turned up as arranged and I went on holiday.... after the first three days I received an invoice from the agency as promised but to my horror they had charged the whole of sat as time and a half. I queried this by email as I was away and corresponded with the lady who had told me about the hourly rate. When I asked why the whole of sat was charged as overtime her written reponse was sorry I didn't mention it but this practice is common knowledge within the industry everybody pays sat and bank holidays as overtime otherwise they wouldn't get people to work.so I replied that she knew I was a new customer she knew I was having the worker over the weekend and bank holiday so why not mention in the telephone call that sat and bank holidays are classed as overtime ?? To which she apologised again for not telling me but she thought I was not new . Thier terms of business says hourly rate etc to be agreed in writing I have nothing from them in writing stating what the hourly rate would be just the verbal confirmation during the telephone call backed up by her email apologising for not telling me about the changes on sat and bank holiday . I'm away on holiday and am panicking that if I kick up about the invoice that she will pull the worker and leave me in the right brown stuff. So against my better judgement I pay it but send an email complaining I'm not happy .To which I get no response So 4 days later I get a phone call from the agency saying the original worker is leaving today but he is going to be replaced by another worker who will be doing the rest of the week (3 days remaining )....as you can imagine I kick off big time especially after I'd gone to all the effort of insisting that I needed the same worker for the 10'days apparently the worker had been contacted by another employer that he Temps for and wanted to go and work for them apparently the agency can't stop him from doing this which again I was not told about especially as I had lengthy conversations with the agency about this . So I eventually agree to having the replacement guy and then when I speak with the new guy on the telephone in the evening he tells me that he can only do the last two days as he has commitments on the last day which apparently the agency knew about !! That is the final straw so I have cancelled the work for the last day as don't want to use the agency again as too much grief . I will be getting the invoice for the last period of work soon so would like to know if I can deduct the rate increase that I paid originally whilst I was away from the new invoice ,and go down the line I wasn't told it's not written down anywhere etc and can I do anything about having to cancel the last working day and being mucked around etc with different staff etc this company are a joke and I will never use them again Any thoughts greatly appreciated !!

My late mother had dementia. She was also quite secretive so I knew nothing of this story until just prior to her death. She owned a property and ran up large debts and was sued by the department store's legal dept. They appointed golden boys Restons who succeeded in getting a final charging order on the property in 2012 following a CCJ in 2011. She paid £67 per month until her death last year. The property is in the process of being sold but a lifetime mortgage has to be paid off first. Unfortunately Restons are being tardy in processing relinquishing the charging order but... The value of the debt is greater than the balance of the sale price after the mortgage has been paid off so what happens next? Is it down to Restons whether the charging order is waived at all or can they say no sale thanks? Can they insist that the whole debt is paid first before relinquishing? Does the balance become unsecured debt? Is there any come back on Restons if they refuse to give authority to relinquish the CO. Restons' client doesn't seem to want to know and if you have tried to get in touch with Restons then you'll know it is a total nightmare!

Hi all So my dad is due to fly to Sweden next month, as his brother is in his final months of live, due to cancer. He booked a flight via Norwegian air for a return trip from Gatwick to Copenhagen for £106.90 on Monday the 17th. He got the confirmation email, so everything looked normal, until Wednesday, he got a series of flight confirmation emails, which listed changes to his flight. The first email was a series of cancellation/time changes, but also included: 2 x Checked baggage (10.00 GBP) 0.00 (0%) 20.00 2 x Upgrade fee (36.00 GBP) 0.00 (0%) 72.00 2 x Namechange fee (36.00 GBP) 0.00 (0%) 72.00 2 x Checked baggage (15.00 GBP) 0.00 (0%) 30.00 Fast track 0.00 (0%) 9.00 WCHR – Wheelchair (ramp) 0.00 (0%) 0.00 2 x Hearing impairments 0.00 (0%) 0.00 2 x Vision impairments 0.00 (0%) 0.00 WCHC – Wheelchair (seat) 0.00 (0%) 0.00 For a grand total of £289.90 The second email was the same thing, but the times were back to their originals, again, the same total price. Third email was the same upgrades/changes again, but also different flight times, with stop overs in Madrid for the return flight These changes were £629.80 Fourth and final email had the same types of changes, only for a lot more money (£1191.70) and included a whole bunch of random things like golf equipment etc. Checked baggage 0.00 (0%) 25.20 4 x Upgrade fee (36.00 GBP) 0.00 (0%) 144.00 Checked baggage 0.00 (0%) 16.80 Checked baggage 0.00 (0%) 43.00 2 x Namechange fee (36.00 GBP) 0.00 (0%) 72.00 2 x Seat reservation (10.00 GBP) 0.00 (0%) 20.00 Checked baggage 0.00 (0%) 32.00 Checked baggage 0.00 (0%) 15.00 2 x Golf equipment 0.00 (0%) 56.00 4 x Ski equipment 0.00 (0%) 112.00 2 x Fast track 0.00 (0%) 9.00 11x Excess baggage 0.00 (0%) 99.00 16x Excess baggage 0.00 (0%) 144.00 Windsurfing equipment 0.00 (0%) 38.00 Kite equipment 0.00 (0%) 38.00 Total Amount 0.00 1191.70 All of these individual charges have apparently been debited from his account. So he got in touch with Norwegian Air through their chat system and they were of zero use, basically telling him it wasn't them, it must have been him, or someone else. He got the same response from their phone line, that he's been hacked, or his account has been hacked and for him to go to his bank and the police. He doesn't even have an account with norwegian air, so could he or anyone make changes? He's going down to the police station and bank tomorrow about it, but has anyone else experienced anything like this?

Hi All Earlier this year I had a Final Charging Order applied for by my local Council to my local County Court. This secures a long-standing Council Tax debt from a past period of financial difficulty. I’ve no problem with that, it’s right and proper and appears to have been done procedurally correctly. The issue I have is that the Final Charging Order, issued by the County Court with a case number etc, has found its way to Registry Trust so is now listed on my credit file by the credit reference agencies. I’d always understood that credit reference agencies didn’t list council tax debt, so I’ve done a bit of research and made a few calls and I’m now in a position where I need some advice – hence my post here. I rang Registry Trust, the guy I spoke to said normally a charging order wouldn’t be listed but the info they get sent to upload from the County Court Money claim centre doesnt specify what the Judgement is - it just lists case number, amount, claimant & defendant names. He advised me to call the County Court Money claim centre, who have asked me to put my case to them in a letter or email. So what I’m looking to find out is: 1. What and where is the legislation or rules saying what Registry Trust should list? 2. How do I go about getting them to remove the record if it shouldn’t be there? 3. What about the credit reference agencies themselves, what and where is the legislation or rules saying what they can list? I dont want this blighting my file for 6 years if it shouldnt be there. Thanks in advance for any help

Hi All, I have been living in a private rented property for 14 months now. Up until today, both the letting agents and landlord have been spot on. Yesterday morning we woke to a broken double glazed window. This happened over night and was through no fault of our own as the tenant. I phoned the letting agents to be told "Sorry, glass is your problem to replace". My main concern was getting rid of the broken window and being secure so I had a company in to quote for a replacement. The fitters who came straight away said there are very obvious signs that the window has failed due to a manufacturing defect and has showed me how I can evidence this. He has also said he is willing to write a report confirming this with pictures and that Pilkington, the manufacturer will do the same. We have been good tenants, not over expecting, always paid on time and have looked after the place very well. The letting agents originally told the landlord that I broke the window so the landlord said it was my responsibility to change. I can understand that. If I had of broken it through my own fault, I would never expect them to pay to repair. I asked the letting agents to go back again and explain the situation clearly including that I will be able to supply professional evidence of no wrong doing on my behalf. Today I have had an email back stating that as a gesture of good will, the landlord will replace this one however in future it is my responsibility. Now, I do not want to sour my relationship with either the landlord or letting agents but to me this is not on. My contract does state; To keep the interior of the property (including glass in the windows and lock fastenings and fittings of the outer doors and windows) and the effects in as good and substantial repair and condition as at the date hereof (fair wear and tear excepted) and (where applicable) all electrical and other mechanical apparatus in good working order and to immediately replace broken glass upon the occurrence of any breakage However surely a failure through no fault of my own can be my responsibility? Some advice would be much appreciated.

Looking for advice on this as I have only been made aware of S86D CCA. I have been on a DMP with Payplan for over 6 years. During this time Barclay's have continue to charge interest albeit at reduced rates on my two cards. I don't believe that they ever sent out a notice of arrears for the accounts at any time. With S86D in mind am I right in thinking that they therefore have not been entitled to charge interest. Whilst I have had AP markers for the entire period they have backdated defaults which will mean that they drop off within the next couple of months. I have received monthly statements from Barclays for the cards throughout so does this counteract the requirement for them to provide a notice of arrears. The interest would be sizeable and could wipe out the rest of my DMP which still has 5 months to run. I have found the below advice Arrears notice penalty Of course, when a trader provides credit, he or she accepts that the debtor may default, whether intentionally or not, or knowingly or not. Either way, the creditor is under a duty to provide the debtor with a notice stating that he or she is in arrears and exactly how much money is owed. Section 11 of the CCA 2006 amends the CCA 1974 by inserting a new section - 86D - that sets out the consequences for a creditor if he fails to notify as required by sections 86B or 86C. If the creditor fails to provide a notice when required to do so, then throughout the period of his failure (i.e. from the date that it was required to be given until the end of the day on which it is eventually provided), he is not entitled to enforce the agreement. In addition, the debtor or hirer is not liable to pay any interest that relates to the period of the creditor or owner’s failure,