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Hi all I need advice. 2 years ago we had a minor car accident which we believed had been resolved by our insurers!! Last week we received a letter from the court asking for £1556 as the insurance company had not paid the total amount we now have a CCJ. I have spoken to the insurance company who have assured me that they will resolve the issue ( they have admitted fault) someone forgot to pay some of the fees and they have not responded to any letters sent to them!! Now to me even though they have promised us that they will resolve the issue I can't help but feel that this is negligence by the insurance company - getting to this stage to me is totally unacceptable unfortunately only now we have received a letter about it otherwise I would have been on to them a hell of a lot sooner. Any advice on this situation would be very much appreciated. -
Any advice would be greatly appreciated please. I have listed the main details below: Purchased a DJI Osmo camera in March 2017 Camera cost £519 Paid using Currys YourPlan buy now pay later credit agreement Paid off the credit agreement in August Sent camera in for warranty repair on 28th August Waited three weeks and heard nothing Called Currys. Unable to advise at to the whereabouts of the camera. Called again. No information. Received a call on 27th September informing me the camera was lost. Went into store on the 28th September. Was issued a refund for £519. Refund was issued back to my YourPlan account. Was advised refund would show up immediately. Refund did not show on my YourPlan account. Called numerous times between 28th August and 18th October. Have been given contradictory information. Currys have confirmed that there is some sort of error. The refund is showing as having left their system, but has not reached my YourPlan account. I have sent emails. The emails have not been replied to. I have been promised call backs. No one calls back. I have launched a complaint, but have had no updates. I have been without my refund for nearly four weeks now. What do I do now? Do I initiate a claim in the small claims court? This will cost me £60 and if they now refund, I will lose the money. Any help gretly appreciated. Thank you in advance. -
I reserved a ring in a jewellers shop and paid a deposit. I was paying some instalments but then became poorly and am now not in a financial position to finish paying. A couple of years has passed by. I contacted the retailer [small, local shop] who said they have sold the ring and I can't have my money back. They'll deduct 20% from what I have paid so far and let me choose something from the shop. Where do I stand? -
Two World War 1 soldiers have finally been identified a century later READ MORE HERE: https://www.gov.uk/government/news/two-world-war-1-soldiers-have-finally-been-identified-a-century-later -
How can I tell if my mobile has been infected other then a warning sign on the screen which after all could be a warning from any one encouraging me to download something that could do even greater damage ?.
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Hi, Some advice needed. In the Autumn 2010 me and my partner moved in to a new flat. Sorted out council tax, water etc straight away but ran in to problems when trying to get our gas and electricity sorted. Having found out EDF was the supplier for the previous tenant I made several 5-10 calls to EDF during the first months of moving in. For some reason they had no supply registered to our address and could not set anything up. Even when supplying them with the electricity meter number they stated that that meter had been turned off for two years. No luck with providing them with my gas meter number either. I used the details from the previous tenant to try and set up so we could receive bills. But no luck, every time having to wait in queues and explain the situation at length to a new person. After a few months a paper from EDF was left in the letterbox saying that the meter was to be cut of, changed to a prepay meter, court order etc. It did not have the correct address and postcode. I used the reference number left on that letter and called edf again, believe I got redirected to different departments and finally got to talk to someone who understood the issue. He said they would investigate. He called back a few days later, perhaps a week and stated that he had an idea of what the issue was and that they would investigate. They would get back to me when it was sorted and to update me. I asked what the time frame would be, and he stated that likely after Christmas/new year. This was in 2010. From that point they have not been in contact. Have not received any bills or any contact or letter. come September 2017 I receive an automated phone call from a robot voice asking if the account holder for my address, stating my name, (although I have since changed my last name through marriage). It said to either confirm or deny by pressing a number. I denied I was that person. I did at the time not believe an automated phone call to be legitimate. Two weeks go by and I pop in to my ground floor neighbour which is a cafe as I am coming home and they said some electricity people had been around asking for a meter to one of the flats. The cafe has no access to the common entrance to the 2 flats. They did not leave any letter leaflet stating or anything. what would you recommend I do? To me I did my due diligence in 2010 and it was up to them to get back to me. I have never received a bill or had an opportunity to pay. Should I contact them or wait until they attempt to contact me properly by post, meter visit etc. The automated robot phone call is not a proper attempt to contact me. It could just be a robot call as far as I am concerned. The visit my neighbour told me about was just a coincidence that she relayed that information to me as I met her just as I came home and they were closing. What would you do in this situation? Am I correct in assuming they could only back-bill 12 months. Many thanks
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Hi, I have a small shop on ebay selling printed Hen t-shirts, babygrows, mugs etc but nothing big but slowly growing with great feedback. Since may this year I have been selling a 2 t-shirt set for newly weds with a design I made of my own after looking at reference material online. But my design was a fresh font and shape and wording. Also at the top of ebay searches which was something I had worked hard for. Now in September I suddenly get these listings removed. Another t-shirt company has claimed copyright violation. I checked the design and it is similar but I have different wording and shapes it just looks too different to accept. The company pointed out their design was registered. I managed to search online and find it but it said registered 10 September 2017, about a week before I was reported. I have been selling my design from may 2017. It also look like the their t-shirt is a new listing. I am suspicious I am being pushed out by a slightly bigger company. I emailed the company as recommended and they replied with the registered number and to not relist my it-shirts. I have since checked them out and emailed the above and asked when they started selling their deisgn but no reply as yet. Can anyone see that this may be corrupt. Thank You -
Hi all After doing a lot of research, the general opinion, from enforcers from the police to bailiffs, Seems to be if we have done wrong you can get remedy through the court process, so pay up and correct afterwards. examples arrest for possible breach of the peace, mainly when EA's are involved. social services we will take your children for possible future harm. When was this changed from the accuser has to prove, to the accused has to prove. 3rd party has to prove property is theirs,They should not have to prove anything, just to make it easy for the enforcer whether an EA or police. In this country of ours you are meant to be innocent until proven guilty. Just want caggers views Leakie -
Had to email the court to see where a claim against me was as hadnt received anything. Received an email from them today stating that due to me not filling out the questionnaire my defence was struck out, further down the email stated that the claim has also been struck out as the claimant did not file a directions questionnaire. I can pay money to have my defence considered, but its seems to be a standard email sent out as as the case has been struck out it is pretty irrelevant. My real questions are Can the claimant pay £XXX amount to reopen the case? If YES do I need to pay to have my questionnaire submitted or does it reset the clock? If they can do this will I be informed of this and my defence accepted? Full email below. Unfortunately we cannot process your Directions Questionnaire as it has been received outside of the time allowed. The defence has now been struck out. If you would still like to contest the claim you will need to apply to re-instate the defence. This application should be made using an N244 Application Notice and should be accompanied by a completed Directions Questionnaire. You will need to explain why you did not file your Directions Questionnaire within the deadline provided and why you feel you should still be allowed to contest the claim. All forms can be downloaded from www.justice.gov.uk/forms. If the claim against you was for over £10,000 please attach an N181 Directions Questionnaire; for claims of £10,000 or under please attach an N180 Directions Questionnaire. You will need to provide one copy of the application for each defendant, one copy for the claimant and one copy for the court. There is a £100 court fee to process the application without a hearing or a £255 court fee to process the application with a hearing, payable by cheque or postal order to HMCTS or by card by calling the Helpdesk between 9am and 3:15pm. If you are applying as an individual rather than on behalf of a company and you cannot afford to pay this fee you can check if you are eligible for help with fees by downloading the EX160A booklet. Please note that the claim has also been struck out as the claimant did not file a directions questionnaire. Please note, applications are not automatically granted. The outcome of your application is at the discretion of the District Judge or court appointed Legal Advisor. If you require any further information please contact our helpdesk on the number below. Alternatively you can email us at ccbc@hmcts.gsi.gov.uk; Please ensure that you state the above case number in the subject heading of your email -
Hi, I am hoping someone here can give me some advice as I am really worried about this I changed my home insurers to John Lewis (from NatWest) in January this year. No specific reason as I was always happy with NatWest but my premium had increased so I shopped around. To my knowledge I gave JL details of all previous claims (i.e. I am not aware that I failed to mention any) and I did not take out no claims protection or did I benefit from a no claims reduction in my new policy. In June last year I claimed with Natwest for a damaged speaker under the accidental section of my policy. Last Thursday my daughter dropped one of my wireless speakers and it was not repairable so, given the cost of it (£499), I contacted JL to make a claim. They offered me a cash settlement which I was happy with but then called to say that "due to the number of undisclosed claims" they would be referring not only my claim for the speaker but also my entire policy to their underwriters. Today I get a call from the Cotswold Group wanting to interview me over the telephone about my claim. I didn't answer because I was in a meeting. I googled them and they are private investigators and insurance fraud specialists I then received an email asking me to make an appointment to discuss my claim and policy naturally I am very confused and scared as to why JL have instructed them to contact me? I decided that given the simplicity of the claim I would call JL to advise them I no longer wanted to proceed as it all seemed rather odd. The chap I spoke to said "I will pass this on to our specialist team" which again caused some alarm. He was very abrupt and then literally minutes later I get another email from The Cotswold Group saying this: "I have received a call from John Lewis to advise of your call mentioned below. They have confirmed they are unable to accept the withdrawal of the claim as we have been appointed to carry out further enquiries in relation to your claim and policy before any decision can be agreed." They are INSISTING I speak to them and I am thinking Why am I being investigated for what JL obviously think is insurance fraud by a team of private investigators specialising in "deep web mining"? Even if i did omit to mention the NatWest Claim last year it was definitely not on purpose! I am quite literally terrified now. Can someone please help or explain why they are doing this and how I should respond to the email from The Cotswold Group. Why are JL refusing to allow me to drop my claim?? -
Hi guys, My first post here and I'm just looking for a bit of advice. I bought a pair of headphones last week from Dawsons as I thought I lost my other pair. The other half found my pair that evening and I tried to return the new ones. They were unused - still have the protective plastics etc on them and I had the receipt bag etc. Dawsons refused to refund them for health and safety reasons as that is their policy on things like headphones, mics etc. However, when trying to return them the guy said they were a demo pair... I was never made aware of this when I bought them. The guy went and got the pair from the back store, not out of a display etc. I was charged the full price of a brand new set. The receipt does say DEMO pair on them but the guy put the receipt in the bag and I never checked. I didn't even take the box out of the bag until I tried to return them - there's also a sticker on the bottow of the box that says demo. What are my rights regarding refund on these? I was sold a demo pair as they were brand new and charged accordingly. Surely it's a bit daft that they won't refund headphones for health and safety yet they can sell demo pairs as brand new even though they have been worn?
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Hi everyone Not sure if this is the right place to put this. But I haven't been paid by work and I'm not sure what to do. Details: I worked for this company from the 14/11/2016 to the 23/11/2016. I worked two shift patterns in the 7 days I worked there. They were 9am to 6pm and 10am to 7pm. I had half an hour for dinner and two 15min breaks, so in full I worked 8 hour days. Now since I'm 25 I was getting 7.20 an hour so I think I'm owed about £403, I was fired for supposedly swearing on the head-set when I should of been working. They didn't offer any proof and I don't remember doing that. They said I'll be paid on the 06/12/2016 but I checked my bank today and they haven't sent anything. I've tried ringing the number I was given in the interview but I can only seem to leave a message. which they haven't got back to yet. Would like some advice on what to do next. Thanks Andrew
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Hello and thank your reading, I unfortunately suffer from the following which I take medication for: Spinal Injury - Long term disability affecting movement, loss of feeling in legs and feet Chronic Pain due to spinal injury and herniated discs Depression ADHD I missed my Work Capability Assessment as I had an infection, I called the centre prior to the appointment to tell them and I also visited the GP and obtained medication.I was told that I would receive a letter from the DWP asking why I missed the appointment. I subsequently received the form, I completed the form complete with an appointment card and the medication container which listed the date on which I obtained the medication, at no point was I asked to explain my disability/illness or the reason as to why I had been in receipt of "not fit for work" note from the GP and have been since Sept 2016. A couple of weeks later I received a "Decision maker has decided your capable of work" The questions I am asking are: 1.How can this have been made when there has been no formal assessment completed or any forms filled out by myself to explain the conditions and difficulties I face on a day to day basis? 2.I have note received any explanation as to why this decision was made, so I want to appeal, whats the best way to do this? 3.I have no benefits in the meantime, I am in a lot of debt and am behind in my rent, which means that I may lose my home due to this decision, what can I do? Many thanks in advance for the advice, it is really appreciated -
A mother has been threatened with imprisonment after posting a negative restaurant review on TripAdvisor -
Good afternoon everyone. This is going to sound pretty silly but I have been paying Lowells £5.00 per month for nearly 3 years now, but I have no idea what it is I am paying for. Some of you have been helping me with an actual claim, so know the state my life was in a few years ago, so I won't go into that all again. Anyway - I think (but am not certain) that the debt was an old littlewoods catalogue. I have not missed a payment ever in the nearly 3 years it's been going on for - but my credit file just shows default every single month, so I am getting no benefit by paying it back. I'm rambling (as always) sorry; I just wanted some information on how I can find out what this is for. I am loathe to call them as they've lately been writing to me about an old mobile phone contract, and I'm nervous that getting in touch with them may open another can of worms. My credit score page just says Lowell, and nobody else so I don't have a clue what this is for. I imagine most will think it insane that I've been paying them all this time without knowing what it's for - but I just agreed a small amount to get the off my back at the time, and being homeless I have lost any paperwork they might have sent me long ago. Many thanks people. -
Hi, I stumbled across this website and I hope you can help me. I'll be so greatful if you can. I have a defaulted Lloyds account which I last used in 2007, and in oct 2013 it defaulted. The overdraft had grown from about £250 to over £1600. I received not a single letter... .up until 2013 when I got one from a credit collector demanding I repay it. I have been arguing it is statute barred for some time now, and they have supplied me with statements showing no activity since 2007 and a steadily increasing debt. It defaulted shortly after maxing out and defaulted. I seem to be going round in circles, after reading what feels like the whole internet on this topic, my point is that LLoyds could have taken action after a nominal two years of inactivity, thus starting the SB clock. Is lloyds had withdrawn the account as per their own T&C then it would have defaulted a long time ago, and been a much smaller debt. Do you think that is a fair argument? If it is, clearly it's not in their interest to agree, so how do I force the issue as I don't want this to go on another 2 years! Thanks for any help you can offer -
My Dad got work done at his house where I live 4 years ago. The electrician didn't do something he asked for so he cut of £500 from a £20,000 bill. Today I get a update from Experian that I have a CCJ under my name issued yesterday. Having spoken to the court it turns out that the Electrican issued a CCJ at our old address where we moved from 4 years back. I never got any of the letters or did I get any intimation from the court AND I am not a part of this at all. I only live at my dad's house and the claim should be between these two. I have nothing to do with the bills for the building of my dad's house. My Credit score just dropped from a 5/5 to a 1/5 for something I am not involved in or knew anything about. Spoke with the court who have suggested I pay £150 and do a application to set aside the judgement. Also spoke with Experian who say they will put this down as fraud as it has nothing to do with me but they will need to investigate and can't guarantee that this will clear my record. Also the claim is issued under a misspelt surname. Does that make any difference? What should I do????? Some guidance would be highly appreciated. I have worked hard to keep my Credit history good and one wrong swipe has just ruined it. -
OK last year i set up a monthly DD to pay my car road tax. This has been paid every single month and i have never missed a payment. At the beginning of April i received a letter saying my car was not taxed the letter was dated around the middle of march. I checked my bank and found the DD for April had been paid so i assumed it must have been a mistake. I just received a second letter telling me my car was not taxed so this time i checked online and it shows my car as being not taxed. There is no reason why my car tax is not taxed. The monthly DD is still being paid and has never failed the M.O.T was renewed in March 2017 1 week before the old M.O.T was due to expire and the insurance has just been renewed a few days ago. I dont know who to contact to sort this out as all the phone numbers seem to be automated and im now worried about being finned for a mistake that is clearly the DVLA's fault. Any advice please? Thanks -
Afternoon all! My girlfriend doesn't watch live TV, at all. That said she does have a Virgin set top box due to signing up for the tv/phone/internet package when she subscribed. She also has no TV license, but hasn't ever told the TV license people that she doesn't watch TV. I'm telling her to cancel the TV package and just fill in the form on the TV license website to say she doesn't watch TV and that will be the end of it. She's worried that they will investigate and see she has been a Virgin TV customer for ages and ages and demand back payment for a TV license. I'd really like to get this sorted as it's a big worry for her and she really doesn't need it at the moment. How should we play it and what do you think she should expect to happen? -
Good evening, I bought a car (Car A) from Stetford Arnold Clarke, July 2014. I made a Payment for Car A against personal hitachi loan - £500 in cash and a Peugeot 206 trade in which was in good shape and just through MOT. The original sale was dealt with by a relatively new member of staff who really pushed the sale of an audi A3 as she drove one. What was alarming to me at this time was that the sales woman said the deposit had to be processed before the car would be dispatched from Glasgow branch. Payments started coming out monthly from August 2014. In September, the colouring of the car started to fade and I went back to Arnold Clarke to complain about this. I was told that a respray was out of the question but that they would buff. I then went back to AC in December to ask about my options with the car. The reasons about asking for this was due to my working commitments and imminent changes to my working life. Arnold Clark said this downgrade would take my monthly payments down if I handed the Audi back and opted for a cheaper car. There was also an expectation of a cash payment at this stage but I'm not really sure why this was, so I give over another £100. He then said, I'm going to ring up the people from Hitatchi and they agreed to 'take it back, no problem'. As a person who doesn't work in this industry, I was assured that this was the 'end' of the original loan associated with the Audi and he assured me this was the case. Following this, he then signed me up to the new loan (Car B) but at no point did he make it explicit that the new loan was being added on top of the existing one. This really didn't make sense to me and why would it? The very reason I was back in AC was to change my car option and the associated loan repayments, when in actual fact, I ended up paying for the total of two. I visited another few times were I mentioned to the sales staff that I would be more than happy to take any 'banger' they had on the yard. Surprisingly, this was not taken up as a viable option which was confusing to me as the staff were fully aware that I wanted to downgrade. I have rang Hitachi finance (who the money is owed too) who sympathised with my situation, several times, to see what I could do. The first phone call was from me to query why the repayment total was so much; totally opposite to the reason for downgrading. I now roughly have to pay back £10, 000, and I have paid about £4, 000 – the car in worth about £1200. I have rung Arnold clark several times and left all my details, but they have never rang me back. I also have sent them emails and they have not replied. So I am looking for advice – has Arnold clark done anything wrong? Have I any way of negotiating this ‘loan’? I have a lot of paying back to do and it feels like I have been ripped off. I would be happy enough with maybe having a big loan to pay back if it was going towards a very good car, but the car probably needs changing in the next 6 months. Any advice on this matter would be greatly appreciated. From reading through the comments, it seems that many people feel misled. Summary: I took out an audi a3 and put down a puegeot 206 and £500 deposit. After a few months I wanted to downgrade as repayments were too much. Arnold clark took the car back and settled the figure. I took out a new car on a more affordable monthly repayment. They didn’t tell me though that the new finance deal was added onto the first one. Now I have £10, 000 to repay for a car worth £1200. Is there anything I can do? The questions I have are: 1 – has Arnold clark done anything wrong 2 – Have I any way of negotiating this ‘loan’ 3 – is my issue with Arnold clark or hitachi? 4 – What should I do next? -
Morning All, I have been battling with Lowell for a few days now I am looking for a bit of advice. I'm not at all clued up on legal jargon so I'm not sure what to do next. In a nutshell, I'm a teacher just starting to think about buying a house. I've always paid off any contracts that I have and cancelled them under the 30 day grace period respectfully. Upon looking at my credit rating I noticed that it was horrendously low (503) I checked through Noddle why this was the case and Lowell have been defaulting two supposed debts... I have emailed Lowell asking what the debts are for the email states: Account Number Original Client Original Client Reference Current Balance Initial Contact Date 25* Three Mobile 9* £20.08 29th April 2013 15* Orange 7* £65.11 30th December 2013 The former Three Mobile account was opened on the 2nd April 2008. The client last receive payment for this on the 1st April 2011 for £20.08. The number associated with this is 0* the tariff was Broadband 5Gb (18/24 months). The balance is made up entirely of airtime debt. The former Orange account was opened on the 28th April 2009. The client last receive payment for this on the 7th March 2012 for £31.96. The balance is made up entirely of airtime debt. As you can see from the dates I have cancelled the contracts well over the 24months (I held them both for almost 3 years!) So when I cancelled I rung up and told them. I'm assuming they continued to bill me for an extra month. I asked for evidence of the Notice of Assignment. He has just forwarded two letters, not letter headed I might add with some glaring mistakes... This is the Orange letter: Dear Mr McGirr We hereby give notice of the assignment of the debt due to us (trading as "Orange") from you in respect of the balance of £65.11 outstanding on your account. On «ClientClRegdate» your account was sold to Lowell Portfolio I Ltd. It is essential that all future payments, correspondence or queries regarding this account be directed to Lowell Portfolio I Ltd quoting reference 1*. Contact Address: Enterprise House 1 Apex View Leeds LS11 9BH You'll notice the "On > as part of the letter... The second letter that was linked to the three account had the wrong address, four doors down. What are my next steps? I want this removed for my credit rating ASAP. it's 2008 !!! Thanks in advance, S -
Hello, I did something bad today and Im very sorry and freaked out about it. I shoplifted from Primark for 24 pounds. They caught me and I filled a paper with name address NIN and job. They said I need to pay a fee or something and I will get a letter. I asked if I am in big trouble like I will get kicked out of uni (i dont want them to find out) or fired from my job because some dude has access to this kind of data and has all mcdonalds (where I work) and when he sees my name he will fire me. The police was not involved but im still afraid because they said that If the police ask them for a list of shoplifters they will give it to them and well i will be in trouble. It was my first attempt and I SWEAR i will never ever try to do something like this again. Can I get out of it without anyone important like my uni or guys at work to find out? I will pay the fee no problem but I just want to dig this incident and get over it so i can be happy again. -
I'm not sure if this is on the right board, but just before Xmas the recruitment agency advised me that because the firm I was working for had 'invoicing problems' (the firm weren't paying the agency for me being there, although I got paid) and as a result my temporary assignment was ended with immediate effect. However, I checked my social media and emails and one of the bosses who I used to do work for has emailed me today asking me to contact them. If the firm wanted me back surely they must have to go through the agency first etc. I was there for 6 months and in the process of completing a new claim online. Any advice about what to do would be appreciated. Thanks
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My first contribution to this site. I owe the Co-operative Bank money on a credit card and had problems with repayments. They were being quite unpleasant about it (I had asked for a 'breathing space') in one week claimed to have passed my debt onto a collection agency and then said they were taking me to court. I wrote to the CEO Niall Booker and he sorted things out and I received an apology and a cheque for £75. its worth going straight to the top. I also discovered that Phil Burrows who I received a lot of post from doesn't actually work there anymore! Is this normal for a bank to continue using the name of an ex-employee on their letters? Does Phil Burrows know? -
Hello all, I recently purchased a new blazer from a well known mens formal clothing company for a black tie event I have coming up. The blazer was received and as I have long arms, I quickly checked it and called my tailor to collect it to lengthen the arms. She collected the jacket and returned it a few days later with the alterations being made. This is when I tried it on with all of the trimmings and noticed that the collar was different to the picture on the website - the product I thought I had purchased. I only noticed it was a totally different style of collar once I had a bow tie on. I checked the pictures online again and the cuff buttons and inner pockets were also different to the picture. I did some research and found via the brand website that I had actually been sent a jacket from last season, for this latest seasons cost. Obviously I am extremely unhappy with this and the company is refusing to exchange the item for the correct one as it has been altered. Apparently it is my responsibility to check the item "thoroughly" upon receipt - hence they have nothing they can do apart from a small refund on the price paid. I checked the item, of course, but the differences were not shouting out at me on first glance. I feel really hard done by here, as I have paid for something that is not as advertised and I have also paid for alterations on a jacket that wasn't the real McCoy. I do not think the differences were significant enough for me to have noticed straight away, but it is indeed a different jacket. What are my options here? As the company are not playing ball at all - even thought they have "99% feefo" etc etc. I feel cheated and want the item I originally purchased or a significant discount for the fact it is old stock.... Sincerely, D
