Hi everyone i received letter from the CRS saying i owe money to golds gym. I had membership before with them i cancelled and give them 1 month notice. i miss one payment for the last month and now this agency ask me to pay 123 pound fee plus 45 for the payment. i want to pay only what i owe. I dont know what to.do but i think is unlowful to pay this charges to CRS. If anyone can help please ? be much appreciated.

Dear Caggers, need some advice on this. We took unsecured loan back in 2010 for £9000 with Black Horse. Everything was fine until we run into financial dificulties in October 2012. Wrote to black horse asking for reduced payment plan and that was agreed for 6 months. The last payment we made was in January 2013, after which we contacted blackhorse again to lower reduced payments as we could not cope. They never responded to us. Two weeks ago we received letter from Ascent collections stating they acting on behalf of Blackhorse to collect the debt, followed by Blackhorse letter stating that Ascent Collections are now dealing with our debt. We wrote to Ascent to offer monthly reapayment but have not heard anything back. What do we do now? Should we wait or send another offer of payment? We dreading going to court over this. Please advise us what to do.

Hi all, I'm hoping I can get some help on this I have a property that is let out (with permission from my mortgage provider) while I have been working abroad. The mortgage provider has my correspondence address on file. The management company for my estate charges me an annual fee. I've been late paying this before so I signed up to their online account so I can track it online, which is easier for me. In September 2015, they emailed me saying that they were moving to a paperless solution and would be emailing invoices and other correspondence from October 2015. I did not receive an email and forgot about it until Jan 2017 when I got an email requesting payment for 2017 charges and promptly paid. I picked up my mail from my rented out property August 2017 (most of my mail is redirected but some slips through occasionally) to find a letter from my mortgage provider stating that a charge of approx £720 was added to my mortgage in respect of late rentcharges. This letter was dated June 2016 but they sent it to the address I have let and not my correspondence address so I did not get it at the time. I have received letters from them before and after this date to the correct address. I went back through more mail to find that PDC had sent me letters chasing the management company's invoice (that I did not receive). A quick summary (all these letters went to old address so I only got them in August 2017): early Feb 2016 - management company sent "final demand" letter for payment (not paperless!) (approx £150) late Feb 16 - PDC wrote asking for £370 and including a form asking me to authorise them to take it from my mortgage provider early March 16 - PDC wrote again asking for payment mid March 16 (10 days later) - PDC wrote again stating Section 121 and asking for payment of £720 to avoid legal proceedings. They sent this to my mortgage provider too late March 16 - Mortgage provider writes to me (at wrong address) saying PDC alleges arrears of £720 stating that they won't take action unless they get evidence that PDC can take forfeiture action early June 16 - Mortgage provider writes (to wrong address) to inform me that £720 has been added to my mortgage I called mortgage provider and they told me that PDC provided "evidence" of a CCJ against me in April 2016 and that is why they paid. I checked my credit file recently and no CCJ has been recorded. I also never received a letter from PDC after mid March. I've seen other posts about PDC on this forum but most people were able to stop action before they went to the mortgage company. I'm looking for advice on what I can do now to get those funds back from PDC. I have also filed a complaint against mortgage provider for not writing to my correct address.

Hi, For over 10 years I am on DMP. I started with the company who was charging me a lot for just collecting my DDR and distributing them to my creditors. I have over £ 50k in debt and pay £240 pcm. As me and my husband are retired that money is very needy. I was thinking of stopping DDR and try to sort out the debt. Could anyone give me an advice where to start? If I stop DDR can the debtors put a default on my accounts? after receiving numerous phone call a day I got myself into DMP with stepchange; recently I have discovered consumer action group and I decided it is time for me to act . My plan expires in 2037 and I have already paid them more then they bough my debt for, my question is do I need to cancel direct debit first or I can send them a debt validation letter? did anyone have similar problem?

In 2011 whilst awaiting a redundancy payment from my previous employer I received a payment of £3600 into my bank account. As I had been waiting almost 6 months for my payout, I assumed this was some sort of interim payment and used it for living expenses as I was unemployed. After eventually receiving my full redundancy payment, it became clear that the initial £3600 payment was made in error by my previous employer. I arranged a payment plan and have dutifully paid this initially at a rate of £40 per month reducing to £20 per month when I submitted a new RFI due to a change in circumstances, ever since, In January this year, my previous employer changed their bank details without informing me and I was therefore unable to make payments. I had initially assumed that the problem was with my bank and even spoke to my previous employer regarding the matter in May, but they still didn’t inform me of any change of bank details. I heard nothing more until I recently received a letter from a debt collection agency for the recovery of the entire debt (£2000). I have contacted the sundry debts manager for my previous employer who has agreed to put the recovery action on hold until 28/9 and asked me to complete an RFI from. I have done this and offered to pay the full amount of missed payments and reinstate my £20 per month payments. They have stated that they now wish me to pay £40 per month and despite lots of emails back and forth are unwilling to accept anything less than this. I don’t want to incur any debt recovery charges but am incensed that it was their neglect to inform me of a change of bank details that caused this and now they are demanding a higher amount each month. Do I have any rights?

I would be grateful for any advice/help anyone could give on how to recover a debt owed of approx. £4000 by an individual to me. I managed to get 2 separate charging orders on 2 properties owned by this person (1 being the marital home owned with his wife) and the other being in his sole name on a flat he rents out. I received a letter from his solicitor in February of this year informing me that the debtor was selling his marital home and asked for details of the amount owed under the charging order along with the interest due which I duly provided. I received a letter a week ago from the same solicitor informing me that the marital home has now been sold, that they are awaiting instruction from his client to discharging the charge I hold but regardless this will leave the new buyer free from the charging order (restriction) I had. Unfortunately, the advice I was given at the time was not correct and a charging order on a property where there are 2 beneficiaries only becomes a restriction and the debtor solicitors is only obliged to inform of the sale and NOT pay the debt as has happened. I would be grateful for any advice on how to enforce collection of this debt. I have already tried HCEOs but they got no response and gave up, I even had a solicitor send a letter threatening an order for sale on the rental property but again there was no response. The debtor has the money from the sale of the marital home (they are getting divorced) but he always seems to be one step ahead of me and I doubt a third party order would even have any success. What other options are there, would a debt collection agency do any better and how much would they charge?

Hi all New to the forum & need a little guidance please. Have received a letter from a debt collection company "notice of enforcement". They are saying I owe over £2k from council tax from a property over 6 years ago. The liability dates were 1/4/2010 to 29/7/2011, liability order was apparently issued on 13/7/2011. Letter from debt collectors was sent on 21/08/2017, can someone please advise where I stand on this? Any help greatly appreciated Thanks in advance

Hi Guys, just given heads up or if anyone heard from this lot just got an email on a really really really old debt. Re: £Stg600.00 outstanding to our client DHR Capital Limited remaining from your loan with Tooth Fairy Finance. We are contacting you further to notices issued by our client in respect of the above outstanding debt. Please use fact-link for further information about your liability. Our client has confirmed that you have not contacted their offices to arrange settlement and we have therefore been appointed to bring this matter to a mutually beneficial conclusion. Please call 01707 252 909 or use live chat to arrange payment or discuss this matter with an account manager. Alternative payment methods and other information are listed below. Do not ignore this notice. It is important that you contact our offices immediately if there is any reason preventing you from making payment or you have a query which has not been resolved. Our company operates a 'Treating Customers Fairly' policy and our trained account handlers will ensure any proposals or enquires are resolved in a reasonable and fair manner. We look forward to hearing from you at your earliest convenience. Yours sincerely Alan Peters Collection Department Ways to Pay By Phone - call us on 01707 252 900 to make a payment using your debit card. If someone is paying on your behalf, or you are using their card, please ensure that they are available to authorise the payment. By the Internet - visit http://www.advancedcollection.co.uk/payonline You will need your account reference number By Online Banking - you can use your online banking service to make a payment to:Sort Code 20-92-54 | Account No 10060291. Please quote your ACS reference to ensure your payment is allocated correctly. At Your Bank - pay over the counter at any branch of your bank, building society or Post Office, quoting your reference and account details as above. By Cheque - made payable to ACS Limited and sent to our offices at:Steele House, 126 Great North Road, Hatfield, Herts, AL9 5JN.Please ensure your ACS reference is written clearly on the back of the cheque. By Pingit - you can use Barclays free Pingit service to make a secure payment fromyour mobile, even if you don't bank with Barclays. Just launch the Pingit app onyour mobile phone and use the short code PINGITQZQ910. If you don't have the app you can download it by texting Pingit to 62555. In Financial Difficulties? If you are having difficulty paying, please contact us as soon as possible. Ignoring your situation won't make it go away and we may be able to help. There are also lots of organisations* that can offer independent advice about debt. Here are a few: Business Debtline | http://www.bdl.org.uk | Freephone 0800 197 6026** Step Change | http://www.stepchange.org | Freephone 0800 138 1111** http://www.adviceguide.org.uk Advanced Collection Systems Ltd, Steele House, 126 Great North Road, Hatfield, Herts, AL95JN Tel: +44 (0) 1707 252900 Fax: +44 (0) 1707 252901 Email: admin@advancedcollection.co.uk Authorised & regulated by the Financial Conduct Authority under licence number 664331 Registered in England & Wales at: Steele House, 126 Gt North Road, Hatfield, AL95JN. Co No: 4096010

Strange thing happened recently. A car full of Advantis employees wearing yellow fluorescent coats turned up to collect a car owned by a neighbour. The neighbour they mentioned had not lived at the address for a very long time possibly 5 years ago. The address is rented out to a lady and has for about 5 years. I spoke to one of them as the neighbour was out advising them the person they were seeking had not lived at the address for years. They showed me a document with the car details and registration number which i did not recognise as ever havng being parked at or near neighbours house. Looking online, Advantis deal with debts owed to DVLA or HMRC. What is this likely to be about ? You don't normally send 5 large men in a hatchback to collect a car, if it is just a standard collection. A bit odd. I know the person concerned did have a business which closed after a few years. Perhaps it is related to that ? HMRC tax debt ?

I used to send complaints to the OFT, Consumer Credit Fitness Department, now everywhere just seems to refer you to make a complaint to the Debt Collection Company themselves, then after months of waiting for a final response go to the Ombudsman. Can the Ombudsman fine them, revoke their license or order them to comply with something? If not, who can now the OFT isn't dealing with this? Who monitors if they are behaving lawfully and in accordance with their license terms etc.? I have found the Ombudsman to be a joke in the past and they usually just return everything to me and tell me to wait for the company who is ignoring me to reply. This is no help. Can local Trading Standards do anything? They usually fob you off and to go to the Ombudsman too. Maybe the local MP can do something but we don't have one now for 3 weeks. I am not seeking compensation. I want someone in Authority to be informed as to how the DCA are behaving and adding fees unlawfully to accounts and other dodgy practices.

Hi all, I had a visit from a Marstons agent third week in April who left a note telling me I owed £459.11 on my council tax...I replied on my return home to tell them that I was in arrears by one month and their figure was wrong and that the balance would be payed at the end of April...which it was...today on 12th May I received a reply.... Thank you for your email, We have noted the account XXXXXXX with the information you have provided. Fine amount when issued to Marston: £149.11 Outstanding balance at present: £459.11 Debt and Fees: £459.11 Compliance Fee: £75 Enforcement fee: £235 Payments: £0 Our £75.00 Compliance fee is part of the Tribunal Courts and Enforcement Act 2007 under the Taking Control of Goods (Fees) Regulations 2014. The Compliance fee is payable prior to the debt. The Enforcement fee of £235.00 is applied to the account when an Enforcement Agent attends the address we have on the account. DO I have any recourse to this blatant profiteering? I received no letter from them in advance of their visit. Thanks very much in advance GIB

I have been advised by a friend to post my problem here as a last attempt to perhaps find a solution to it. I moved into a property (flat) in February 2017. The parking area outside these flats are monitored by 'PCL'. A resident can apply for a parking permit (£15 fee) which resident has to display on windscreen. I attended concierge on the day I moved into property and filled out the application form and paid £15 via cheque. Receptionist said he has run out of the badges and I can collect the permit in two days. I think the shift changes and in the evening I found a parking ticket on my car. I wrote to the company clarifying that this had happened and I believe I have a right to park as I have paid the permit fee and submitted the form to your office. I also sent them picture of permit as i was issued permit by then. They refused and asked me to go to POPLA if i would like but if i were to go to POPLA the fee will then be £100 not £60. I thought POPLA would be more reasonable and wrote to them asking them to review my issue. I sent them a picture of the notification that it does not say permit has to be displayed on windscreen so as far as i understand (a) being a resident (b) having paid the amount © my details are with concierge. I was allowed to park. Details from POPLA web site are as follows; Decision: Unsuccessful Assessor Name: XXXX {I have removed as not sure if it goes against your policy} Assessor summary of operator case: The operator states that it issued the Parking Charge Notice (PCN), because the vehicle with registration [edited], “was parked without a valid ticket/permit on clear display” on 18 February 2017. Assessor summary of your case: The appellant states he has recently moved into the property and has been allocated a parking bay which is included in his contract. He says residents can park their vehicles wherever they find space. He adds that residents are issued with a permit to display when parking. He says he went to the concierge to request a permit, paid the administration fee, but the concierge had run out of permits. He states he was told to return later for a permit and that he would be okay to park as he was on record as a resident. He says that on the day in question the PCN was issued for not displaying a permit. The appellant has provided a copy of his parking permit. Assessor supporting rational for decision: The terms and conditions state: “Authorised / permit holder vehicles only” and that “If these conditions are not complied with, parking charge of 100£ [sic] may be issued to the driver”. The operator’s case file includes photographs of the signage at the site clearly showing these terms. The operator has also provided photographic evidence of the vehicle with no permit on display. POPLA is an evidence-based service. We can only assess an appeal based on the evidence provided to us. The appellant has said that he is allocated a parking bay as part of his lease. However, he has not provided a copy of his lease. The appellant says the concierge advised him that he would be okay to park without displaying a permit as they had run out. However, POPLA cannot consider an undocumented conversation as evidence. Nevertheless, the parking contract is between the motorist and the operator through the terms on its signs, not the concierge. When invited to provide comments on the operator’s case file, the appellant noted that the signs say parking is for permit holders, and do not state that a permit must be displayed. While I agree that this is the case, by his own admission, he was not in possession of a permit at the time of the contravention. When parking on private land it is the motorist’s responsibility to be aware of the terms and conditions of the site they are entering before deciding to park. The terms are clear and the appellant, by his own admission, was not a permit holder at the time of the contravention. Therefore, I am satisfied that he did not park in accordance with the terms and conditions at the site. As such, the operator correctly issued the PCN and I must refuse this appeal. For clarity, any customer service issues the appellant has regarding information provided by the concierge or it running out of permits are outside of POPLA’s remit. This would be between the appellant and the concierge. I would appreciate if you can guide me if there is anything i can do or there is no other option except paying £100. It is almost half of my weekly salary and I genuinely dont see why it has gone that far. Your help is very much appreciated.

Hi everyone, I would appreciate your advice on this matter. I received a letter from Newlyn about a month ago regarding an overpayment of housing benefit from Newham Council, amounting to around £2200. I contacted them straight away asking for details, as the council has never written to me at my new address. Newlyn said they didn't have any details, as they had only held the account for several days. I then started getting phone calls every couple of days. When I couldn't come to the phone, they would leave me a voicemail and I always returned their calls. I explained the situation again the second time I spoke to them and the lady told me which period the overpayment was for to which I replied that it was still insufficient information, but she said she didn't know any more. I've contacted the council, requesting to know why they think I owe them money and asked for a statement of payment from them. I've spoken to Newlyn at least twice after this and explained on every occasion that I've contacted the council to enquire about the situation but have yet to receive a reply. The people on the phone said they were unable to 'hold' the account, even though I've done everything I can and they're not providing me with a reason to pay. I have received an automated response email from the council stating they have received my enquiry and they will respond to me in due time, but Newlyn won't leave me alone. In the past few days, they have sent me a letter that was addressed to 'the occupier' requesting for a forwarding address for me even though, I've contacted and spoken to them many times. I don't know how to proceed. I can't pay them - I don't have the money, but also I don't see why I should pay when I haven't been given reason to. They've said "you owe this much, now pay up" and that's pretty much it. I'm really stressed out about how quickly this is escalating and I'm really frustrated as to why I'm expected to pay when they haven't even explained to me why I owe them money. I'm struggling to cope with this and I feel really trapped. Thanks in advance to anyone who responds. Zoe

Hello everyone, I'm hoping that you can help me with a problem that my daughter now has with Vodaphone. In August 2012, she opened a new contract with Vodaphone, via their local store. This contract was then closed (in store) 2 days later as the sim card didn't work she was told by the staff, that there was an issue with that particular sim card and that they would have to close the account and open a new one with a new sim card and new phone number. She was never given a new contract paperwork with the new sim card. Her first bill arrived and it was £80.00 instead of £39.00. she went back to the local store and the staff had no clue what to do, they rang someone whilst she was in the store, and the person on the other end of the phone had no clue either. Some excuse was made, but nothing was made clear. She also told them that she couldn't access her online account, as she wanted to check why her first bill was so high, and they told her that she would have to wait a couple of days for all her information to be transferred from that first (cancelled) contract to this new one. An easy transfer they said!! She was never able to access her online account, however the phone was working and she was billed erratically for the next 18 months. The bills were always more than they should have been and she was never billed on the same day each month. All the bills were paid by DD. In May 2014, having had enough of the poor (non existant) coverage, she went into the store and asked to cancel her contract. only to be told that she had no contract with Vodoaphone and they had no record of her ever having had a Vodaphone account. (the person who opened the account in 2012 no longer worked there either) The last bill was sent in May 2014, which was paid, and after that the phone no longer worked. The contract ran out in August 2014. Nothing was heard until the end of 2016 when a letter arrived from Vodaphone demanding £400.00. There was no account number or phone number on this letter that applied to my daughter, so we could not track this on their website. They tried to take money from a new bank account (which was not connected ever to the Vodaphone account). now they have passed the account to PASTDUE who are demanding £753.66 or they MAY go to court (blah blah blah). today we found out from my ex husband of 15 years (her dad), that he has been receiving texts from this debt collector on his mobile, asking for my daughter to contact them. He has not lived with his daughter for 15 years, his phone number has changed numerous times in this time, he has never had any kind of joint contract or account with her, and these texts started on 22 Feb this year. So far they haven't rung his number and he hasn't replied to any texts. Sorry for the long explanation, but I hope someone can help me with this ridulous mess. Thank you

Hi, I bought some items from Thomann.de in December last year. Paid by Paypal. Got 'Payment accepted' notice and items arrived. A few weeks ago I get an e-mail from Thomann asking me to pay an outstanding balance. I thought it was some sort of phishing [problem], but after checking it out, everything seemed legit. I replied asking them what I owed them money for (at this point still assuming the order that was completed 4 months ago was, indeed, completed..) Apparently, my Paypal payment didn't go through at the time, but they sent the items anyway and opened an account.... I never received the supposed e-mail, and (as I pointed out in my reply) never responded to give this the OK... Thomann clearly weren't happy with that response as the next message contained a threat of a debt collection agency: In my response, I expressed my disappointment in them so readily resorting to threats, but also continued on the path to resolution: That was sent to them on Thursday (13th April). All the correspondence above were on the same day with messages about an hour apart. Today I get an e-mail from debt collectors.... I responded immediately with: Then I started searching the net for advice and found this place. Probably should have done that the other way round! So, where do you think I stand on all this? I think the two resolution offers I gave to Thomann are more than fair and reasonable considering the circumstances. They clearly disagree, but surely they don't have the right to pass onto a debt collector at this point?? edit: Forgot to add, the amount is £87.52

The Barclays account in particular is dated 2000 . I have read that many of the agreements dated as far back as then do not have enough terms and conditions on the credit agreement and it is by a long way the most uncomprehensive agreement i have seen . Outside of that clutching at straws to be honest , like i said i would have settled them for her had they been able to meet me at a slightly lower per centage but my understanding is link are less likely to negotiate downwards than others.

Hi there, Thank you all for considering my enquiry. I will try to keep it as to the point as possible. I have sought advice from many advice bodies and a couple of solicitors but I'm receiving conflicting information and a friend recommended I try here. SUMMARY DESCRIPTION I engaged a tradesperson for a range of works which were quoted at £1740. The tradesperson completed some of the works over 2 days. On the 3rd day, the tradesperson was late and sent an offensive message. Based on the offensive content of the message I refused to allow him onto my property further. He agreed to reduce fee based on works not completed. He offered a reduction of £240, total £1500, which I said was not fair based on the works left to complete. I paid a portion (£1240, 83%) of the fee, with a reduction of £500 from original quote of £1700 based on an average of 3 quotes from local providers for the remaining works. He returned the payment and engaged a debt collection agency. Debt collection agency has given 5 working days to pay full amount or they are taking me to court. Full description and timeline below. AMOUNTS Original invoice - £1740 Tradesperson offer after reduction - £1500 Amount we paid - £1240 Amount debt collection agency is seeking - £1500 + interest of £10.23 QUESTIONS 1. I have told the debt collection agency I dispute the debt. Is my best bet now just to wait until they start court process? 2. Am I correct in thinking, because of the amount in dispute (they want £1500, we paid £1240 which they returned, so effectively £260 in dispute), this will be considered as a small claims issue? 3. Were I to lose the dispute, I would be required to pay the £1500 + small amount of interest + court fee of £100-£200? So I wouldn't have to pay his legal costs or cost of using debt collector? 4. Would this type of issue (full details below) be likely to go to court? Or will it be considered on the basis of submissions? 5. Given we're talking so small amounts here, I am obviously wanting to maximise value from any legal advice. Would the best use of money on legal advice be to ask a solicitor who specialises in consumer issues to review my defence form, N9B? Thank you very much for any advice you can give. FULL TIMELINE & DESCRIPTION 28th Jan - Having found a tradesperson through an online review site I asked for a quote for some work on my property. They emailed a quote of £1740 (I'll round the figures for ease of reading). 30th Jan - I phoned the company and asked them to start work as soon as possible. 7th Feb - Tradesperson started work on the property. 8th Feb - Tradesperson attended the property. 9th Feb - Tradesperson doesn't show in the morning. I ask where they are and am told they'll be there later. After I have asked when they will arrive, I receive a 'pocket call' with a recording of the tradesperson where he calls *somebody* a 'f-ing bird, b-tching about when tradesperson will arrive'. We speak on the phone where he considers the situation a joke and calls me a 'b-tch'. I say I don't want him on my property anymore and he agrees to discount the fee for the incomplete work. 13th Feb - Tradesperson confirms work left to be completed and offers discount of £200 (total £1540). 14th Feb - On the advice of the Equalities service I submit a formal letter of complaint about the comments which says that no matter who he was talking about I find the comments offensive on the basis they are about somebody of my gender which violates my dignity and creates a hostile environment. On the advice of Citizens Advice Bureau (CAB) I say I do not consider discount fair for the work that is left to be completed and will be seeking to show market rate as part of negotiating process under the Consumer Rights Act. 17th Feb - Tradesperson apologises for comments and offers discount of £240 (total £1500). 25th Feb - On the advice of CAB I seek 3 quotes for the remaining work from local providers which show market rate to be £500. I offer tradesperson £1050. 3rd Mar - Tradesperson rejects offer and threatens debt collection if £1500 is not paid by 6th Mar. 4th Mar - I transfer £1240 (original invoice of £1740, minus £500 fair market rate) and say that is our final offer. 6th Mar - Tradesperson emails to say he will be returning the £1240 and engaging a debt collection agency to seek £1500 from us. 6th Mar - On the advice of CAB I send a formal letter questioning why he has engaged a debt collection agency when we have paid £1240. 11th Mar - I receive a letter from a debt collection agency demanding £1500 (plus interest of £10.23) to be paid within 5 working days, or they will begin court process. 13th Mar - I speak to debt collection agency who try to debate the merits of my dispute with me. I say we have not received any of our payment returned. They say it was sent Friday. I say I do not wish to discuss the issue with them and just wanted to check the address to correspond with, they end the conversation saying "see you in court". On the advice of the Debt Advice Line, I post a formal letter confirming my disputing the debt and evidencing previous correspondence.

My father has received a Parking Charge Notice from Parking Collection Services. The reason been for Parking on Yellow Lines or in Cross-hatched area at a car park in Ipswich. However my Dad has never been to Ipswich and the vehicle pictured isn't his (different make, model, colour and has a different reg number) !!!!! Adress of the alleged parking infraction is The Hub, Ipswich, IP1 2QA Dad is looking at sending the following appeal to them I am appealing as the registered keeper against this unjust and unwarranted parking charge notice. I appeal on the grounds that my vehicle was not parked in the location at time or date specified and that as a result no contract was formed. I ask that you cease and desist from sending me anymore unwarranted communication on this matter other than to confirm acceptance of my appeal. If I receive any further communication otherwise from yourselves or your representatives I shall charge an administration fee of £25 per communication. Do you think this is an adequate reply? We are also looking at complaining to the DVLA that they have released Dad's information to these cowboys, for no reason as its not even his car that they have pictured.

Hello, I am just wondering, I have nearly paid off Restons £1200, And my wife has various ( apex, moorcroft etc ) where she is paying £1 a month If we send a CCA to all of those, and they cannot confirm, how does we write off or stop paying, in my case, how would i get the money back ? Regards Q.

Hello. Last year I took out a warranty for a second hand car I had bought with Warranty Direct. They offered tol et me pay over 4 instalments which I went with. After a couple of months the car had a breakdown. THey agreed to pay for the initial repair (roughly £800) however that was caused by another issue which then needed subsequent repair at a cost of £1200 . They refused to pay out for this after having the vehicle examined by an independant 'engineer' (ACE). They used a technicality of small print to wriggle out of paying. I didn't pay the remaining two instalments on the plan as I didn't have the money, having to spend it on the car instead ( i eventually got the money back form the finance company but it took months). They have now passed the debt onto a debt collection agency . Its not a huge amount of money but its the principle of the matter I have a problem with. As I have never actually entered into a signed credit agreement with WD should I stand firm, or are they likely to come after me to reclaim any extra charges? There is nothing in writing to confirm the payment arrangement although I guess they have the recoreded for training phone calls to go back on. The other option is to offer the debt company a small monthly amount to pay it off. Could I have peoples opinions as to how to proceed please?

Hi all Firstly I'm going to apologise for not making a proper introduction post, however I will eventually get around to it. I was just wondering if anybody can clarify if Fast Track collection orders (where payment is made online before visiting the store) are covered by the Consumer Contracts regulations (formerly distance selling regulations)?

Waited for a parcel before xmas. option to collect from matalan. collected it along with £100 ticket. what to do next.

I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?

Hi, I dropped out of university, due to illness, and the uni agreed that if I did not return I would be charged pro-rata and thus wouldnt have to pay any more cash as I had paid up to my date of withdrawal from the course. The Uni also agreed if I wanted to return to Uni this year to re-sit the course as I had mitigating circumstances, that I could also be allowed on the condition that I paid the outstanding uni fees to top up what I had already paid for the full year's fees. I am contemplating whether to go back next year, to sit the full year again for £1400 (Total price for course is £5.4k) or drop out completely and save the £1400. I have now received a Debt recover letter (attached) and hoping Caggers can advise as to what my next move should be? Any advise much appreciated. Kind Regards BB

On 18/04/2016 I received a PCN from Parking ticketing limited whilst parked in a private car park. The notice was issued on the grounds that I did not have a valid permit to park in the car park. I appealed the PCN on the grounds that: 1) I had a visitor permit issued to me at the barrier (entrance to the car-park), by their person operating the barrier. 2) I also cited that the PCN contained incorrect details of the vehicle ie the stated colour of vehicle was WRONG which rendered the PCN invalid. 3) The amount of the fine £60 was excessive. They rejected my appeal saying that a landmark case on 4th Sept 2015 was handed down in favour of parking operators, I missed date for a POPLA appeal (due to serious family illness issues) and then received a letter demanding £100 - I wrote to them again citing that I had a visitor permit and invalid information on the PCN. I then received a letter from PCS (Parking Collection Services on behalf of Parking ticketing Limited) demanding £120 - they stated on the back of their letter that I could appeal the (now £120) charge if I did not believe I should have received it and that they could cancel the ticket if they upheld my appeal. I explained the situation over again to them explaining that Parking ticketing Ltd had refused to engage with me again and had not answered any of my grounds for appeal. PCS rejected my appeal to them, and furthermore said that I could not appeal against the £120 fine levied by them as I had missed my original date of appeal to POPLA when I wrote to Parking ticketing Ltd back in April - they did not issue a reference number for me to appeal to POPLA against their £120 fine even though it stated on the back of their fine that if they rejected my appeal they would issue me with a POPLA reference. my question and need for advice now is have I got to pay this £120 to Parking Collection Services? They have now given me until 28/07/2016 to pay £120 to them, I did not think this thing would go the distance, how can I fight these people now? please someone give me some advice