Hi All, I recently discussed the purchase of a new car with a dealer and test drove on Sat 25th. On Sun 26th I obtained the best quote from the dealer via telephone and gave £200 to put my name against a vehicle and was told finance docs and quote confirmation be emailed to me that evening. I will note at this point that I was not told that my deposit is/is not refundable and was not given any t&c's or information in regard to my cancellation rights. An email came through that day only containing a scan of some number plate choices and a £200 til receipt (non-itemised). I emailed the dealer a few times in the week requesting the finance documents and on Thurs 30th I received a copy of the forms. At this point my circumstances had changed due to an offer of new employment and I was in a position where I may no longer require the vehicle. I advised another salesman at the dealer of this on Sun 2nd, having arranged an interview for Mon 3rd. I emailed the salesman and discussed on the telephone with him on the 3rd that I may no longer require the vehicle and requested that he put a hold on everything, only to find that he has already taxed and financed the vehicle in my name. I will make it clear again that I have not yet signed any documents to confirm the purchase or the finance. I now no longer require the vehicle having been offered another job closer to home. From what I can read on CAB & Which websites distance selling should apply and by not advising me of the 'cooling off' period, my right to cancel and registering a car in my name without consent that they have committed an offence. Of course I don't want to go at them quoting things like that but I would like to know where I stand in regard to getting my deposit back and what the heck I should do to get the car de-registered and un-financed in my name. Any help would be appreciated! Thanks!

I appealed to Ilford council I was parking in a loading bay on Aug bank holiday Mon , I have just got a knock back about the appeal they said they are sending a notice to owner but I am no longer the owner , they took 50 plus days to get back in touch to say I have to pay is this reasonable ? I thought they had only so long to get back in touch? can anyone help

Hi everyone, Over 6 years ago and at a very bad time in my life, I had a secured loan on a mortgage with Welcome Finance. I no longer have a mortgage - not through paying this off, but from a repossession - this is another story! the Welcome Finance secured loan has dropped off my credit file due to the default being over 6 years old. I have been paying a very minimum amount on the loan over the past year or so to a particular DCA, however, the hands of the DCA have changed over again to another company.... Marlin Financial have taken over this loan now and i have recently made payments to them continuing on the payment plan that had been agreed with the previous DCA. As the original default on this loan was over 6 years old, the entry had been automatically deleted from my credit file. This week I noticed that Marlin have created a new entry for the loan and re-entered a different default date that isn't correct, therefore, this entry has now reappeared and won't drop off for approximately 2 years. Are they allowed to do this? If not, how do i get this removed? How do I also prove that this original default has automatically 'fallen off' my credit report and prove the date that this was initially in default? Can somebody advise? Many Thanks, B_E_G

Hi all I'm new to the site. Can anyone help me I'm at my wits end now with debt. I had a company go bust on me 18month ago, taking me for 26k leaving me in alot of debt. I am fighting a court claim at the moment for 2k with a blind company. Awaiting a court date. I have returned home today to find a letter from hceo saying they will be removing goods. The total is now 3k? I have checked my credit file and there is a ccj listed against me with the creditors details. Could I have missed the court date? What situation am I in with regards to the officer? Can he enter my home? Can he take the car? ( my wife needs it for work and to get kids to school) im only working 16hrs wk at the moment. We are 20k in mortgage arrears and thinking of BR or an IVA. Most of our stuff is joint owned. The reason I'm taking the company to court is because the credit was in a company name and they are Persuing me. I'm really at my wits end now. Please help. Looney

After a small altercation with one of these minions this morning. Do shopping centre security staff employed directly by the shopping centre have to keep on display their SIA licence

Hi, I defaulted on 5 accounts in 2010, of which 4 of them registered a default on my credit file. The other one, Barclaycard, transferred the debt in May 2012 to IDR Finance and they have appointed Link Financial to manage the account. I checked my file last month and Link Finance have been marking the account on my credit file every month with a (6) and a BB underneath. Whilst the debt was with Barclaycard, I received a Default Notice through Mercers in Oct 2010. Has anyone had any experience of getting Link finance to change these entries to the correct status? And are there and standard type letters I can send to them? This Barclaycard was originally a Morgan Stanley card then a Goldfish card before becoming a Barclaycard. I CCA'd Barclaycard in 2010 and they sent me T&Cs. Any help would be greatly appreciated.

In February 2012 I rang O2 to close my account as I had a business phone and no longer required two mobile phones. I was paying my bills manually and there were no outstanding bills on that date that I called to cancel my contract. I was not informed of any final bills during this phone call and none were sent to me at my home address. In Sept 2012 I received a letter from Westcot debt collection regarding an outstanding amount owed to O2 of just under £47. I rang O2 to confirm this was true and subsequently paid the amount. In February 2013 I checked my credit file to notice a default had been registered on my account in August 2012. I have had several conversations over the last year with the credit referral team and customer services but have found them thoroughly un-helpful. Why I was not written to between Feb and Aug 2012 to notify of the debt and intention to record a default is beyond me as I would have paid upon notification. Apparently everything was posted to my O2 online account which as I was no longer an O2 customer I had no need to log into. I had been a customer for almost 10 years without a problem and my wife is still a customer but am seriously considering moving her to another company as this default is affecting our ability to obtain credit. I am sending an SAR to fully review the particulars of this situation. Any help would much appreciated.

Hi, I am struggling to get Marbles Credit Card to change the default date they report to CRA's to a more accurate date. June 2002 - Get a new Marbles credit card. May 2009 - I lost my job. After 7 years of paying my credit card on time i am now struggling. The world financial crisis does not seem to be a temporary one so I write to Marbles explaining my financial hardship. June 2009 - I write to Marbles again. I have not used my card since i lost my job. I cut and return my card. I am advised by Marbles to seek advice from the CCCS. July 2009 - I report my financial situation to Marbles via the CCCS. I am unable to make my contractual obligations. Sept 2009 - Following the advice of the CCCS i make token payments of £1 to Marbles. However Marbles continue to add £200 interest and charges per month to my account. Aug 2010 - Marbles agree to stop adding interest and charges to the account after many plea's from myself. Sept 2011 - I am still making token payments. Marbles decide to sell my debt to a DCA. Sept 2011 - Marbles report a default with CRA. My other credit cards did this in 2009. Nov 2011 - My financial situation improves and my monthly payments improve to the DCA. Sept 2012 - I discover that the Marbles default is registered 2 years after i had stop making payments. I write to Marbles asking for the default date to be corrected to within 6 mths of when i stopped making payments in 2009. Aug 2013 - After being ignored for almost 6 moths a dialogue begins and eventually ends in August with their final response of rejection. Aug 2013 - I contact the Financial Ombudsman. Today: I receive a letter from the Ombudsman rejecting my complaint on the basis that a default is registered whenever Marbles decides the financial relationship has broken down. They decided this in Sept 2011. I have been working full time now for 2 years and have almost paid off my old credit cards. However i am unable to apply for any credit or get a mortgage because of the defaults. The defaults are all going to disappear in a year and a half. However the Marbles one will stay on my file for a further 3.5 years because they registered it 2 years after i stopped making my payments. I am being punished for paying my debts. Had i ignored them i would be financially better off and the default would have been registered in 2009. Any advice would be appreciated.

I have received a Judgement for Claimant today which orders me to pay £1661.42 by 26th November (today's date). The Judgement is dated 19th November. However, I did not receive any papers or any notification that I would be taken to court to get a CCJ. I have recently moved and as I was unaware of the debt I obviously did not notify them that I have moved. I do have a post redirection in place which is why I have received the judgement today. But surely any documents would have been forwarded by the post redirection. I have never had to deal with anything like this and am at a loss as to what to do! I have checked my credit report and it states that Capquest registered a default on 21/10/2009 and it says account type is bank - but I have had the same bank account (and no others) since approx 2004. says the account started on 02/06/2008 My main questions are; - I do not know what the debt is relating to - how can I find out? - Can I do anything about the CCJ now? If I had received the documents prior to the court date I would certainly have looked into it at that point. - I cannot afford to pay the debt - we are barely keeping our heads above water as it is, is there anything I can do about this? As for more time until I have determined what the debt is for? I feel that I should not be paying for a debt when I do not know where it came from? Any help would be really appreciated - I have been looking at advice given by others for similar problems but am getting lost with all the CCA/SAR abbreviations - I don't know what they mean . Thanks

Hi Just a quickie (sorry, I should probably know the answer to this but have forgotten). I have the same account on my credit file from both Barclays and Lowell, although they have slightly different reference numbers, default dates and amounts they are in fact the same account. Who should I contact to challenge these, Barclays, Lowell, or both? If it is one or the other rather than both, is that organisation responsible for informing the other organisation to correct their records or do I have to do this? Thanks again, Andrew

Hi, Last year we kept our Peugeot 407 off the road, due to the front needing looking at, and we have another car. I declared this SORN 12 days before the current tax ran out (30/06/08). End of, or so I thought. In late Aug early Sept, we received a letter from DVLA saying we had to pay £80 fine as we had not declared SORN. I immediately called them and told them that I had on 18/06/08. Then they asked me if I have received a letter from them within 4 weeks. No I said, then I asked why they have not sent me one. I was old it was MY responsibly to chase them.......about this letter. They told me they would look into this and get back to me, I left my number. Well, you gussed it, no letter, and no call............ Incidently I have another tax reminder here for mymotorcycle, and it says nothing on this about 4 weeks chasing DVLA atall.....this should be made clear by DVLA.. Then yesterday we received a letter from Philips Collection Services Ltd demanding £80, and that I tax the vehicle. Well the car was retaxed in october last year as we gor the front sorted out, and MOT'd. I called them and they told me they had been instructed to collect this £80 by DVLA, they would not enter into any conversation on the matter. I called DVLA and they told me I had to pay £80. I questioned whyI had to pay £80 for their mistake of not sending me this letter, to be told that unless I have a letter from them saying they have on record that the car is (was) SORN I an liable. If I fail to pay this they will take me to court and I will be liable for all costs.... Government bullying this is. How can they get away with behaving like this??? What is my best course of action re DVLA and Philips Collection Services Ltd. Thanks in advance. Bob

There is a bit of a back-story to this, however I need to put that in another thread at a later date as there are numerous ongoing issues relating to this company. A relative of mine receives a company car cash alternative. Can the company demand to know who the registered keeper of the vehicle is and can they demand to see a copy of the V5 registration document? Just to clarify, none of the above is mentioned in the company policy - it only asks that the employee provides a suitable vehicle in-keeping with the company image and that copies of valid MOT/insurance certificates are provided (which they have been) Thanks in advance!

Apologies for the length of email in advance. In 2004 I found myself in very difficult financial circumstances due to business failure. Since that time I have managed to turn my life around and am now on a sound financial footing once more. As documented on here I had a couple of run ins with Robinson Way which were successfully defended in no small part to the assistance provided on here. Prior to my financial woes I had a fairly substantial mortgage which I always managed to pay and have done so for over 10 years without fail. I am now looking to move home and now the problems have started once more. My mortgage,old private overdraft and credit card are all with the Lloyds Banking Group. The overdraft was CCJ'd in 2005 and I didn't defend. Since that time I have paid £100 each month as directed by the Court and have never missed a payment. There is still £18k outstanding but I am aware that LBG would struggle to enforce as more than 6 years have passed since judgment. Initially in 2004 I paid only token payments on the credit card of £10 per month & these "payment plans" were regularly rolled over until mid 2010. At this point as my circumstances had improved appreciably I offered to up the payments to £100 per month & this was accepted in writing and I have never missed a payment. Unfortunately despite this all having being agreed LBG issued a DN & followed it up with a solicitors letter in late 2010. The upshot of this is that i now have a Default registered in 11/10 for over £20k relating to a debt that actually defaulted in 2004. The punch line is that LBG are insisting that these debts amounting to £40k are repaid in full and in return they will rollover the mortgage onto the new property which provides far more security so it's a win/win for them. For my part I have endeavoured to settle both accounts at around 50% but have been rebuffed presumably as they are aware of my improved financial standing (they also have by business account). I did a s78 request and they were unable to locate the original agreement for the credit card. My feeling is that they need my goodwill to cooperate with them and they should make a commercial decision so that all parties can move on & I think they are being unreasonable. Rather than make increased offers to repay the very old and potentially legally unenforceable debt I think I should now go elsewhere with my mortgage and business & go on the attack regarding the very late registration of the credit card Default which is the only blemish on my credit report with everything else either settled or having fallen off. If this is a good plan I'd welcome advice on the wording required for getting the default removed which presumably requires me to fire off a letter to LBG. Many thanks.

Hi, In September 2009 I opened a Natwest Student Account with a £1400 interest free overdraft. I stayed within my authorized overdraft being careful never to go over it. They started requesting I repay the whole overdraft as I was not using the account. On the 3rd December 2010 Natwest sent me a default notice in accordance with the requirements on the CCA. The account was registered as defaulted almost seven months later with the default date on Experian showing as 30/06/2011. However a month before the default date, on the 05/05/2011, I set up a payment schedule with Wescott who were then dealing with the debt and made a £100 payment which is reflected on the credit file. The default was registered the next month anyway. Does anyone know if the default was correctly registered?

My 20 year old daughter recently bought a car on HP and the finance agreement is in her name. For some reason her (new) boyfriend sent off to be the registered keeper. I'm not sure of all the details but he is the registered keeper but she is the legal owner. The finance is over a 4 year period and I'm really not sure what the boyfriend's intentions are. I'm thinking he is going to sell the car leaving her with the burden of repaying something she doesn't even have access too. I've also learned that he has restraining orders by his 2 previous girlfriends which is why I would like my daughter to cut all ties with him, this is also what she wants. Question is how can we get the car transferred to her name? We have possession of the car and also have the V5 logbook. Many thanks in advance for your help.

Hi avid reader but only occasional poster here. I am having a problem with the sale of a PAYG broadband dongle I purchased in an Orange (or EE) store. I went to return it but was told I could be lying and I'd have to keep calling in until the person I originally saw was working. I called 150 and details of the complaint were taken but I have heard nothing more. I do have 4 phones with Orange, (family and business) but that doesn't seem to matter. My inclination is to serve an LBA and just push for my money back but I cannot find Orange's registered office address. Most members of staff I have spoken to do not know what I mean. I have the contact centre address at Patchway, Bristol. Is that sufficient? Any advice would be gratefully received

Hi, After dealing with an ex-council for months and months they have issued a court summons for both myself and hubby. How do I make a posting in the correct thread as I am totally stumped Cheers

Hi all Long story short, ex husband has a gorgeous son with an ex girlfriend. he's not allowed to see him, SHE insisted that she wants nothing else to do with us as a family or her son to see his dad. We have tried and failed to change her mind. Ex hubby has paid what he can, and looks after our two girls very well...although we both went through bankurptcy in the last 5 years and are still just above the breadline. We have been constantly harassed by the csa, when hubby was on benefits last year and now we are trying to start a business. Its a ltd company and once again we've been served with a csa letter asking for personal returns, profit and loss account, profits from shares and any other income. ALL to be signed by a registered accountant!! (which we don't have! - define registered??) I work for a government agency, so this is all very upsetting. i am also director of the company and we have made no profits for the last 2 years, taken no wages or paid any dividends. We are living off minimal expenses and my part time job. How can the CSA insist on accounts being signed by a registered accountant? Can they insist on the company accounts even though i am majority shareholder? We will happily pay..when we have some money!! At the moment i have £15 in my pocket and £15 in the business account! How can they assess him on money that hasn't and CAN'T be paid out to him?? Any advice would be gratefully received. I'm also being personally harrassed by the woman as she insists on sending me poisonous letters (unsigned of course).

I want to buy a car for my daughter's partner to keep and use and make it clear that I retain ownership. They live elsewhere so he needs to be the registered keeper and the insurance be in his name. I know 'the registered keeper is not necessarily the owner' but how do I go about making the distinction clear?

Hi, tonight I registered myself and my husband with Noddle. I was stunned to find that both of us have incorrect dates registered on our files with regard to when the defaults were originally registered. I have launched disputes with each and everyone giving correct dates and also correcting the amount the creditors say we owe to the correct ones. I can prove all of this because we have been with Payplan - me since 2006 and my husband since 2004. I have been following several threads on here and have been dealing with my husband's creditors with some success. Although Arden are being particularly difficult at the moment. My question is, in order to get these defaults removed from the credit files, will I have to contact each and every CRA and do I have to print off payment history to correct the entries. These DCA are scheming peoples aren't they? They can't even add up their own flaming figures correctly. It's shocking. Thank you

I received a speculative invoice from VCS in July and have since got the first two threatening letters from them. Since Oct 1st Roxburghe have sent me their usual threat of passing to thier solicitors for actions. I've not replied to them in any way, but I'm curious if they now have a legal course against me as the RK after the fact of the 'offense' as it would still be an 'unpaid parking fine' albeit an old one.

Hi, I'm sure this must have been asked before, I've been told I should register my van as a disabled vehicle, I'm paraplegic. Is this done by registering for the disabled tax disc or is there some other process required? Thanks, Tull.

Hi, I was involved in an accident a month ago, probably my fault. My car is a total loss. I have sent in the V5 etc and the insurance company are querying the registered keeper. When I filled in the policy application online I indicated that I was the RK, as it turns out the RK is infact in the name of the business, which I am a partner of. How do I stand?

Hi everybody. I have a toughie to crack (and it’s a bit long winded). I have been dismissed by my company for repeatedly complaining about their (very questionable and in some cases very illegal) internal policies. I complained about that too and have been told that as I am in fact a “contractor” and as they are registered off shore (Caribbean) I have no right to do anything. The company is registered offshore for tax purposes, operates worldwide (as did I), but has its operating headquarters in the UK – the CEO, finance, logistics, business development etc. are all based in the UK on a full time basis and all work as employees of the company. I have looked into this with a learned fellow (who for personal reasons can’t help me anymore), and have found that due to many factors I am in fact an employee and I am entitled to complain. However I am unclear on a couple or three things which are: My original “contract” was for a four month period and has never been renewed since 2007 – I have had no contract of any sort since late 2007. Does anyone have any notion as to how this would affect any case against my former employer? The company state that all staff work under a disciplinary code (verbal warning/written warning/dismissal) – this was completely ignored to dismiss me. I am looking into instigating an employment tribunal based on the above (and a whooole lot more), but would very much appreciate any insight?

hello, After re-mortgaging with Lloyds TSB Scotland I received an official copy of register of title, which shows that the proprietor is Lloyds TSB Scotland and not myself. When I bought the property and had the mortgage through Coventry, I was the registered proprietor. Shouldn't I be the registered proprietor, regardless of who is the mortgage lender? I have borrowed approx. 53% of the property value, so how can Lloyds TSB Scotland be the proprietor and how could they have just registered themselves as the proprietor without my consent. This doesn't seem right. Can anyone advise plelase? andy