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Hi all Apologies if this isn't right as i'm new to the forum as i'm looking for some advice. I saw that others have had a similar experience to me and was hoping you could help me too. Last week I had a Sheriff Officer at my door who in the end put the form through in regards to the Simple Procedure Claim relating to a debt from 2012. This got me concerned which led me to do a bit of searching on the internet for advice. The debt came from a time when I took on far to much and in the end couldn't afford to make payments. Yep, it was a stupid decision and one i've regretted for the last few years and this particular one is from Isme for approx £614 I believe, would need to double check the form. I actually think that the debt is Statute Barred, based on when i made the last payment which i think was back in 2012 from what i have on my bank statement. Capquest are claiming that the last payment was in July 2013, however i also had a very account which i was making payment to and the account number on the form is for Isme, which was different. As the payments were to Shop Direct as a whole would this be counted as my last payment even though it's a different account? I do know that Isme is now essentially Very and doesn't exist anymore. When i signed into my account it was via the very website, although I had to choose the separate account number for Isme. When I get home i can post more information if required although any help/advice would be greatly appreciated. Thank you -
its not a huge issue yet but i want the CURRENT facts up in case it becomes one We demolished a garage a few weeks ago with the intention of replacing it with a summer house/shed combination after much looking around we found a website called garden buildings direct who offered some fairly priced sheds and summerhouses bit dubious of how cheaply these were offered we decided to order the cheaper of the two (shed) first and then look at summer house if all was ok with that (shed was £500 8'x8', summer house was £950) shed went up perfectly and apart from a slight line where the two roof boards met it was perfect summer house was ordered (pathfinder huntsman - http://www.gardenbuildingsdirect.co.uk/log-cabins/billyoh-pathfinder-huntsman-log-cabin) and here the issues started first off they told us it was to be delivered on a tuesday which was unsuitable so we called the 01636 (newark) number - only to be redirected to the Philippines after 40 minutes on the phone they agreed to re-date the delivery for Thursday unfortunately i got heatstroke building the base for it, although on reflection it was probably a good thing as it was delivered the Tuesday anyway while i was off work ill... chap piled it all on the drive - this is a log cabin style on so was delivered as 200+ separate pieces of wood, he then took a photo of it - to prove it had been delivered. fast forward 3 days later and as it had cooled down and i was starting to feel a bit better we started construction - only to find that the floor beams had been cut at 3002mm instead of 3020mm - although they had delivered 10 instead of 9 being the sort of person that looks for a quick and improved resolution i nipped to the local woodyard and got a 20mmx18mm 2.4m beam and some longer screws and sorted that as the walls would have been unsupported without it. so that fixed we got the floor down (6 extra floor beams sent - which was good as one had to be cut down and took two attempts to get right - again ok as we had been warned of this when ordering) - ran the electrics through the floor built the walls up using the Oh so vague diagram - again not an issue as i love working with my hands and the woodwork was fun. until we got to the last few bits and found that 4 of the wall beams were missing, called the call center and after several rounds of "we wont talk to you as your wife ordered it" which were resolved by passing to the missus first we got the new bits ordered HOWEVER i just found the google reviews, which after 27 reviews they only made 1 star as they apparently have a habit of claiming their drivers photos show all the parts were there and not sending replacements - i doubt it as THIS is a copy of the drivers photo (i took the liberty of photoing what he did) so best advice if they fail to send the parts? i CAN probably get some 20mm tongue and grove wood from the wood merchants and then small claims for the cost - but its unlikely to be the same wood, and they use 19mm T&G - probably so people cant do that is there any easy way to force them to provide the parts if they fail to send them? at the moment this is what we have been left with - you can see the gap from the missing pieces, plus we had to adjust a couple of other parts to fit oh yea and they also have alot of reviews claiming that the warrentie doesnt exist if the summer house is raised off the ground. which might be fun as ours is raised 8" on railway sleepers, which if they can hold a train can hold a summer house - there is only a short distance between them as well
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Hi I received a letter in March 17 from Lowell chasing a Shop Direct debt for £179.73. I wrote back to them that I did not acknowledge this debt and requested a copy of the CCA so that I could see what this was for. Letter sent May 2017. I never heard back I chased in June 2017 saying they had exceeded the statutory time etc and to remove any detrimental evidence on my credit reports. I received a letter from them shortly after to say that they have been unable to obtain a copy of the CCA and put the balance at zero on the letter. "as we have been unable to provide the requested documents we have decided to not pursue the outstanding money at this time. We are required to record true and accurate information and the Default registered will stay on your account for a period of 6 years". I have no idea what this Default is for, and Lowells have now closed the account and are no longer chasing. The Default will not drop off my credit file January 2020 which I do not really want to wait another 2 years. I wrote back to them and again their letter showed a zero balance owing, BUT they state in their letter that there is sufficient evidence to prove that I owe this debt and they will not be removing the default? Please can someone give me some advice or point me in the right direction of my next course of action, I have no idea what this debt is for and feel that I have a chance here to possibly get this Default removed and want to do what I can to at least try. Thanks
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2 days ago I was the victim of a crime in my local town. There was an armed robbery in one of our local shops where thankfully nobody was hurt. The getaway car that the robbers used was dumped in a back street where I live and set it on fire. Unfortunately for me, the car was dumped beside where my car was safely and securely parked as a result of the heat from the enormous blaze, the back end of my car has been damaged. The plastics covering the bumper, lights and badge on my boot were all melted and cracked and my boot door was all discoloured. It's a wonder that it survived the fire at all really what with the size of the fire. I contacted Hastings Direct as I have my insurance policy with them (Hastings Premier - not so premier if you ask me) who told me that even though my no claims bonus was protected in cases of vandalism, I was going to lose my no claims bonus. After hours on the phone and being sent from pillar to post, I finally reached a competent member of staff who assured me that it would be noted on my account that I was NOT at fault, but that I would definitely lose my no claims. What is this about? It is ridiculous! I am not at fault! This was all reported to the police and I have a crime reference number which was given to Hastings Direct, along with numerous photos of the car damaged, and the firemen putting out the fire. The firemen filed a report, as did the police! Can anyone offer me any advice at all please? I am at my witts end and feel like I am treated very unfairly!
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Hi, Very new to this forum although I have read many a post... I was unfortunate enough to receive a claim form from Restons Solicitors for and alleged debt owed to Capquest for a shop direct account. After reading many a good post I acknowledged the claim on the MCOL site with defend all.. CCA request sent to Capquest via signed for service, its been received but to date no response. CPR 31.14 sent to Restons on 05/12/2016 again via signed for service, received on the 6th December 2016 and signed for. Today I have received a response from Restons and it reads as follows. Dear Madam, RE: Capquest investments Limited v. Yourself Account Number: xxxxxxx Original Creditor and Product type: Shop Direct - Isme Mail order Please find enclosed a draft letter which purports to come from you but which is unsigned. You will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response.. Yours faithfully Miss N Didsbury, Case Manager Is this a standard response from Restons for receiving unsigned CPR requests... Should I respond back? or ignore Thanks in advance ClaraCluck -
Hi all, some advice required please. i used a ppi claim company to make various claims a couple of years ago, with some positive results,(apart from their charges). i had a couple of cars through YCC pre 2005 and ended december 2007. i claimed against YCC in 2011 but resulting in a letter from the claim company about 3yrs later saying the ombudsman rejected the claim as it was pre feb 2005. would it take that long firstly, and would it be worth making a claim against Direct auto finance??? Or have i been fobbed off by that claim company because they couldnt be bothered? thanks in advance also when i say the company couldnt be bothered, i was being flippant. as ive looked online many times (probably badly) and a lot of people had no joy or no reply from them. i certainly never seen any successful claims being mentioned.
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I am looking for some advice dealing with the DCA chasing after an alleged debt they say I had with Npower. I paid every month by direct debit and as far as I was concerned all paid off and sent the final meter reading on the day I moved out. I called them few months later and was told what the final bills was £36 and paid off. Now a DCA sending letters, but the company name is Npower Northern which I have never known. My bills had the name Npower and not Npower Northern. Have they changed names? How can there be an outstanding amount when paid by monthly direct debit ? I have read so many posts regarding their incorrect bills. I am going to call them today and send a SAR request and start the process from there. It is so unnecessary that we have to do this as when we pay every month and trust them to send correct bills. -
Hi guys I've not had to deal with anything like this so i just want to make sure nothing has changed. I received a Court Claim Form for what I'm guessing is a old catalogue debt. Claimant: Lowell Portfolio LTD The POC says: 1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Shop Direct under account reference ******** (‘the Agreement’). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to Claimant on 22/11/2012 and notice given to the Defendant. 4) Despite Repeated Requests for payment, the sum of £3,190.05 remains due and outstanding. And the Claimant claims a) The said sum of £3,190.05 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue c) Costs Are the steps at this stage still to make CCA Request and CPR 31.14 ? Thanks for any help given. -
I wonder how many people - outside the weekend - have had DD collected BEFORE the due date and landed them in the overdrawn gang! if so I wonder if any compensation could be claimed from the offenders.
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Please could you help i have been pursuing a claim for mis sold PPI against YES car credit/DAFS for a number of years, i bought the car in 2001, I'm not covered by either FOS or associated bodies. I have got to the stage whereby i have advised them i will be continuing my fight through the courts, on Saturday i received letter From Irwin Mitchell stating amonghts other things. I quote " It is our clients primary contention that any claim brought in respect of the agreement will fail as it will have been brought outside the statutory time limits for starting court proceedings. The agreement was entered into by you on 20th November 2001, almost 16 years ago, and therefore, according to the limitation periods set out in the Limitation act 1980, any claim arising out of this agreement is now out of time. There is other gumpth with, that I'm not to concerned about and this will be their scaremongering in an attempt to put me off. Would just like to understand a bit more about Limitation act 1980, I've had a look through, to which it states "6 years", however my complaint is not against the Loan per say, it focussed around the mis selling of PPI. I would be grateful if you could give me a direction i can take with this, as do not want the bastards to get away with it any longer. Once I'm successful, would be more than happy to share my finding on your site, as I'm aware I'm one of thousands in the the same boat with DAFS crooks. I believe they scan your site looking for such information in getting themselves ahead against claimants like myself. -
Hi My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell. The amount was £371 and was paid off in full to Lowell in Oct 2013. It is due to drop off his file in August 18. I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route. Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I look for? Cant find any old paperwork even relating to this account but I have some emails relating to Lowell. I have had dealings myself with Lowells and they are currently chasing me for an old debt with Provident and I was wondering if I cant help my son with getting the default removed by finding something untoward, then do you think I could use my debt as a bargaining tool to either remove the default from his file or transfer it to my name. I would rather it be on my file for the next 9 months than his. I know this is underhand but I dont think they are exactly saintly themselves. Can anyone help with this please. Thankyou
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I placed a order online for 2 electric scooters. One for my son and one for my sisters. Since placing the order I have tried emailing them at least 6 times with no response at all. My parcel has been stuck in customs for 6 days and there is no way to see why, which courier it is with or anything. Not sure what I can do usually companies reply or have a contact number they have nothing and no way of contacting them other then the emails and they are not replying to them. I am not having to give my sister the money for the one she bought to replace the birthday present which I am not to bothered about if I knew for sure I could find out what was happening with the scooters.
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Hi there, First time posting, but in doing a bit of research before I delved into discussing a letter I received from Harlands, there seemed to be a lot of valuable information on this forum, so hoping someone can help with my specific situation. On 31st March I took out a gym membership with Xercise4Less on a monthly rolling contract with the following information in an email confirmation from that date: "You are committing to a single £20.00 admin fee payment and £19.99 per month for a minimum of 1 months. After this minimum term your membership payments will continue on a monthly basis. You have chosen to pay by monthly Direct Debit and we can confirm that the Direct Debit details provided by you are correct." "You have the right to cancel your Direct Debit Instruction at any time simply by writing to your Bank or Building Society, with a copy to us. Please note cancelling your Direct Debit does not absolve you of your Membership contractual obligations." The following dates had direct debits of £19.99 taken out: 02.05.2017 30.05.2017 30.06.2017 31.07.2017 30.08.2017 I since have been taking on more responsibilities within work that mean I am not getting to go to the gym at all, and as such have cancelled my Direct Debit a couple of weeks ago, and thus my membership (or so I thought, as had been the way at previous gyms...) However, yesterday I came home to the following letter: "Dear XXXXX, re: Your membership to Xercise4Less Harlands administer the collection of all payments due under your membership agreement with Xercise 4 Less. Your bank have advised us that your September instalment has been returned unpaid "instruction cancelled". You have therefore been charged a £25.00 administration fee which means you need to pay £44.99 to bring your account up to date. Call HARLANDS HELPLINE - XXXXXXXX immediately so we can collect this by DEBIT / CREDIT card and reinstate your Direct Debit over the telephone. If you wish to pay by another method, you must still phone to discuss your options. If you do not call us by 23 October 17 you will be charged a further £25.00 administration fee. Our telephone lines are open 8:00am to 8:00pm Monday to Friday & 09:00am - 12:00pm on a Saturday. Your sincerely, Harlands" My question then is how to handle this? I do not want to reinstate my DD / gym membership. I do not think they are legally allowed to charge me an 'admin fee' (?!), I do not want them to continue adding more lots of £25 to my 'account', and I'm not sure whether ringing them would be a good idea at all. Any help would be much appreciated!! -
hi, today received a county court claim form for the amount of £467.76. claimant capquest investments limited. restons solicitors limited. total amount 552.76. doesn't say which catalogue just shop direct. what are my next steps? no doubt that i had catalogues with shop direct. if it goes to court they will find i have zero disposable income. thanks for any advice. -
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When the Taking Control of Goods regulations came into effect in 2014, they not only provided a much clearer and fixed fee scale, they also introduced a fairer system whereby, in order to keep bailiff fees to the barest minimum, (of just £75) the debtor is given the opportunity of avoiding a personal bailiff visit (and an enforcement fee of £235 being applied) by paying the debt (including the Compliance Fee of £75) by the date outlined on the Notice of Enforcement....or alternatively, by agreeing a payment arrangement with the enforcement company. Most payment arrangements are for a short period of approx 3-4 months (sometimes even more). Where problems have arisen since 2014, is that many people receiving a Notice of Enforcement from the bailiff company, try to avoid paying bailiff fees by visiting the local authorities website and making an online payment of just the debt owed to the council. Such avoidance methods do not work. This is because, the regulations are very specific in that once the Notice of Enforcement has been issued, the debt owed includes the compliance fee of £75. Furthermore, and this is again in the regulations, any payments made after the Notice of Enforcement has been issued must first be applied towards discharging the Compliance fee (of £75). The bottom line is that if a payment is made to a local authority (minus bailiff fees) after the date on when a Notice of Enforcement is issued, the enforcement company are entitled to their compliance fee (of £75). The effect being that any payment made to a local authority (minus bailiff fees) must be considered as merely a part payment and accordingly, the warrant is not satisfied…and bailiff enforcement can.....and will continue. Since 2014, debt avoidance websites have inundated local authorities with many hundreds of Freedom of Information requests enquiring as to whether councils retain these online payment or pass the compliance fee to the enforcement company etc. These pointless requests have achieved absolutely nothing. There have been quite a few Local Government Ombudsman’s decisions regarding this scenario but a very recent one is of interest because, in this particular case, the local authority adjusted the amount of the Liability Order but failed to inform the enforcement company. The debtor also paid the council direct (minus bailiffs). A have copied the decision in the next post. -
Good afternoon. At the end of last month around the August bank holiday weekend (2017) I decided to cancel my direct debit to Fit4Less because of an upcoming medical condition. On the same day I sent a message to my local Fit4Less on their website contact page saying I would no longer be able to attend and so I have cancelled my direct debit. I had no response. on September the 4th i receive a letter from Harlands saying: Dear MR ***, re: Your membership to Fit4Less We are writing with regards to your membership for Fit4Less as we have been advised by your bank that your Direct Debit instruction has been cancelled and as a result we have been unable to collect your monthly installment of £44.99. Due to this payment being missed you have incurred a £20.00 administration charge. We would like to help you keep up to date with your membership payments and we understand this may have been a mistake so would kindly ask you to contact the Harlands Customer Service team on 01444449029* to pay the outstanding balance and reinstate your Direct Debit. Alternatively you have the ability to make a payment and reinstate your Direct Debit using our secure online payment service by following the link and using the details provided bellow. Go to *some url* You will need the following information to hand: - Ref Number -Credit/Debit card details -Arrears to be paid £44.99 Please note you will not be able to access the club until this balance has been cleared. We remind you that under the terms of your membership you need to provide 1 month's notice and therefore need to make another monthly payment. Failure to do so will result in further action so please contact us immediately to resolve and avoid this. If however you are having any problems with your membership or payments please contact the Harlands Customer Service team on 01444449029* or email us at *theire email* and we will be happy to discuss your account. We look forward to hearing from you soon. Telephone lines are open from 9am to 8pm, Monday to Friday and we look forward to receiving your call. Yours sincerely, Harlands " My monthly installments have been on a no contract Direct debit of £24.99. I understand I should have paid his final installment but do I have a leg to stand on if i refuse to pay the admin charge. I am also going to the hospital tomorrow for his condition so I am tempted to ask for a doctors note. Any thoughts? Many thanks! -
Hello I have received from Shop Direct for compensation on PPI added to account I had with Choice catalogue sounds correct? Have read elsewhere SD may typically offer refund of premiums but not correct amount for 8% interest - am unsure how to calculate myself to check PPI sold with account in March 2001. Account closed 2006. Have a couple of statements still but not full file - compensation letter states total premiums paid + £154.78. Additional interest paid due to premiums = 0 Refund of charges incurred as a direct result of the PPI being added = £15 Simple interest - at 8% per annum - for times balance would have been in credit if no PPI on account = £9.06 Total refund with £1.81 tax deducted = £177.03 Not sure this sounds correct as my understanding was 8% interest per annum should be added from date of PPI sale to today to compensate for not having the money - that would be 16 years & doesn't seem to have been included? Grateful for any advice as thinking of referring to FOS
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On August 11th we ordered a television from Tesco direct which we picked up on August 14th. It was fixed to a wall bracket and used without problem until 1st September. On 2nd September the T.V. was switched on and there was a black section to the screen. We called Tesco and they asked us to send in a photo of the screen saying that they would get back to us within 3-4 hours, they failed to do so and we rang them again to be told that they had not had time to look at our email and that they would call us back shortly after11 am the next day. By 2.30 they still hadn't called and so we contacted them to be told "it looks like accidental damage and so we are not responsible" I tried to explain that there was no way that this could be the case but they refused to budge. I then offered to take the T.V. to a local store with an electrical department so that they could perform a physical check of the item, they said it wasn't necessary and that their decision stood. They told me that I should take the set to an accredited repair place and obtain a report. I believe that Tesco are in breach of the Consumer Rights Act 2015 and the following extract. The first six months If you discover the fault within the first six months after buying the product, it is presumed to have been there since the time of purchase - unless the retailer can prove otherwise. During this time, it's up to the retailer to prove that the fault wasn't there when you bought it - it's not up to you to prove that it was. Tesco are adamant that they will not offer anything. What are my rights? -
Hello, I'm hoping someone can help me please as I am at a loss. I purchased a phone from Mobile Phones Direct in March this year. When I received the phone it turned out that the tariff they were advertising was actually a 'cashback' deal and I would be paying double what I was expecting. In addition the camera leans on the phone is cracked. I reluctantly decided that the tariff issue was a 'lesson learned' but contacted them about the faulty phone. They requested that I sent them photos of the lens and the packaging the phone arrived in, which I sent by return. Since then I have had no response despite numerous emails asking them what they intended to do about the fault. Since then I have also started to notice that images are burning into the screen despite the use of a screensaver, since Mobile Phones Direct are not responding about the initial fault I doubt reporting the screen issue will do me any good. I also sent in my application for the cashback at the prescribed time but again, no response. I have just now tried contacting Vodafone to see if they can assist me but they are refusing to help as I didn't but insurance from Vodafone. I would have thought that, as Mobile Phones Direct sold Vodafone products, and I pay my bill directly to Vodafone that they would have some kind of responsibility to assist me? I am now left up the proverbial creek without a paddle, with it seems, no-one who can help me get a replacement phone or the money MPD owe me for the cashback -
Hi All, im thinking of buying an Eonon android stereo for my car, loads have this stereo as its most suited for the car. Just wondered if i purchase direct through Eonon and not ebay (think they are based in China but have a uk warehouse) Would it be better to pay by credit card,? as i heard CC can give me a bit more protection, I have a barclaycard. See they offer 1 year warranty but if theres an issue could i get my cc company involved then. Would appreciate some information thanks steve
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around 11 months ago Lowell started sending letters claiming money owed to them for a debt they bought from shop direct. the amount they claimed was ridiculously high when i received a letter i simply just binned it. on the 26th April 2016 i received a letter from Cohen Cramer saying that because i have ignored all previous letters from Lowell and Lucas Credit Services (client agent) if i did not contact them within 14 days they would issue a claim in the County Court. I decided to write to both Lowell and Cohen Cramer. I sent Lowell a CCA request I wrote to Cohen Cramer explaining that i had requested the info from Lowell as to ascertain where this debt and the amount claimed had come from. I asked Cohen Cramer to hold court action until i got the info. After i sent both letter dated 3rd May 2016 i received a reply from Cohen Cramer dated 10th May 2016, stating that they had received my letter and that their client has given them a minimum period of 45 days from the date to send the documents which i presume they was referring to my CCA request. I then received a letter yesterday, dated 16th July 2016, attached to the letter was a double sided photocopy of a letter of assignment, but no credit agreement (not even the standard 1 page photocopy with no signature). This was not what i asked for from my CCA request to Lowell. They have now stated that if no reasonable proposal is forthcoming within 14 days then legal proceedings will be instituted. Just wondering if anyone could help and give some advice as i am unsure of what to do next. I was wanting to contact Cohen Cramer again but i am not sure what to put in my letter. any help would be greatly received, thank you for your time Letters From Cohen.pdf
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Hi all again, I've had a lot of problems with Littilewoods and Shop Direct Finance Ltd of the past few years. I currently owe them £292.95 and have been paying them token payments since May with a DMC. In the time i was in the DMC I had a lot of charges from Littlewoods. I've sent the DMC a SAR because they messed up some other debts of mine too and I want to see what they did. I'll list all the one's I can find with the statements I own and what my credit report says. ??/10/2014 Arrangement to pay (what it says on Credit Report) ??/09/2014 Arrangement to pay (what it says on Credit Report) ??/08/2014 5 Late payment (what it says on Credit Report) ??/07/2014 5 Late payment (what it says on Credit Report) ??/06/2014 4 Late payment (what it says on Credit Report) ??/05/2014 3 Late payment (what it says on Credit Report) 19/04/2014 Late Minimum Payment Fee £12.00 (On the same day I made a payment) 01/04/2014 Debt Collection Telephone Call fee £12.00 ??/04/2014 3 Late payment (what it says on Credit Report) ??/03/2014 Arrangement to pay (what it says on Credit Report) ??/12/2013 Not Updated (what it says on Credit Report) ??/11/2013 Settled (what is says on Credit Report) ??/10/2013 Arrangement to pay (what it says on Credit Report) ??/09/2013 2 Late payment (what it says on Credit Report) ??/08/2013 2 Late payment (what it says on Credit Report) ??/07/2013 1 Late payment (what it says on Credit Report) ??/06/2013 Query (what it says on Credit Report) ??/04/2013 Query (what it says on Credit Report) ??/02/2013 1 Late payment (what it says on Credit Report) ??/01/2013 1 Late payment (what it says on Credit Report) ??/10/2012 1 Late payment (what it says on Credit Report) ??/08/2012 2 Late payment (what it says on Credit Report) ??/07/2012 1 Late payment (what it says on Credit Report) ??/05/2012 Not Updated (what it says on Credit Report) ??/04/2012 settled (what it says on Credit Report) ??/09/2011 1 Late payment (what it says on Credit Report) ??/08/2011 1 Late payment (what it says on Credit Report) ??/07/2011 1 Late payment (what it says on Credit Report) ??/06/2011 1 Late payment (what it says on Credit Report) ??/05/2011 1 Late payment (what it says on Credit Report) 17/11/2010 Debt Collection Telephone Call Fee £12.00 ??/11/2010 1 Late payment (what it says on Credit Report) There are a lot more and the debt was past to NDR money I think around June 2014 because I have a summary from them showing I made token payments In June & July. But i don't think they added any charges, I was thinking of sending a SAR to Littlewoods to get all the information. I was wondering if I can claim the money back and can I get the charges removed from my credit report, because they cant be legal. Also how much of this £292.95 should I pay if a lot of it has been charges. Now my old DMC said when i closed the account down that I owed the Littlewoods debt to Shop Direct Finance Ltd. Also my credit report says I owe Shop Direct Finance Ltd and the data goes back as early as November 2010. Any advice on how to proceed would be much obliged. Andrew -
Hi I pay by monthly instalments for my car tax and I want to change my bank account direct debit details, so yesterday I cancelled the direct debit and will re-tax the vehicle on 1st August. I have now received an email from the DVLA saying I need to re-tax it. The payment for July has been taken out already. I read the gov.uk website (change accounts part) before cancelling the DD, which clearly gives an example: Example You pay by Direct Debit every month, but want to pay from a different account. You cancel the Direct Debit with your bank on 5 June. You can continue driving your vehicle until 30 June. On 1 July, you have to tax the vehicle again using a Direct Debit from another account. I just wanted to check that I'm doing it the right way right? According to the DVLA website I quoted it's all OK and I won't be untaxed. The email has unsettled me! I went to the link in the email to see about taxing it and it says it's still taxed and would be taxed again from 1st July if I continued, which obviously I don't want to do! Anyone else had this experience and can confirm I'm doing it the right way? Thanks.
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Ordered a Computer Network Management Device from Tesco Direct that was listed on the website for 20.00 which I thought was a good price and would allow me to control my server at home and powerconnect switch. I have ordered and paid for the item and received something completely different to what I ordered. I contacted them and was told that the product was listed incorrectly and that whilst they do have the Item that I ordered, it was considerably more than 20.00 so they were not willing to send out what I had initially ordered. Is a company allowed to do this? My understanding is once an order is placed and a receipt / proof of purchase obtained then the retailer must supply the ordered goods for the price paid. If the price was listed in error then tough luck to them? How would one go about challenging this? I'm happy to suck it up and pay the full price, but when someone orders an item they would like to think that's what will turn up. Found this in their terms and conditions 3.2 The Seller reserves the right to revise prices prior to dispatch of Goods to reflect any indirect or direct increase in costs to the Seller but if the price has been paid in full prior to dispatch no price revision may take place without the prior written agreement of the Buyer. So I could insist they send the correct item anyway as I have paid in full and have a receipt?
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I've been on a DMP now for over 7 years and am looking into what I should be doing now. There are 6 accounts remaining on the DMP, 2 of which have been reassigned and are wtih Debt Colletion Agencies, the other 4 are with the original creditors. Default Notices were served on all these accounts and my credit file is no longer affected by them. I've had a look through some of the threads on here and it seems that I should be issuing CCA requests to the DCAs at least to see if the debts are enforceable. Just wondering what the position is regarding accounts still with the original creditors. I have a few concerns about doing this though as the DMP is running smoothly and I am planning on applying for a mortgage soon so am worried that by issuing CCA requests, the creditors may be triggered in to starting court action. just wondering if it is worth doing it now or waiting until I have a mortgage. Any advice would be appreciated.
