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RBS made me an offer of £2k for ppi from 2003 They said they would pay me by cheque. However, the other day I had a message saying "we have deposited the money into your current account. On checking this I found that they hadn't deposited into my account, but to their own holding account pending further investigations. I phoned the ppi office to be told that the loan on which I claimed the ppi had arrears and so they were investigating. However, I then phoned RBS credit management and they confirmed I had no outstanding debts, but then claimed they still need to investigate. If they suspected this, why did they agree that ppi was refundable and why can't they find any evidence. Really frustrating! I have to wait another 28 days now while they investigate. Anyone dealt with this before? -
Hiya all, Trying to help my brother out, He has been issued with a money claim alongside a section 8, They are for differing amounts but issued on the same day which is odd I am going to help him out with responding but a quick technical question should a letter before action have been sent to him beforehand? I know it is practice for companies but not sure if applicable to rent arrears? Also worth saying he wrote to LL on date it was issued asking for a rental breakdown as he disputes the amounts ( especially as different from the section 8 ) and it was signed for the day after ( 13 days ago ) he believes the LL has applied his own charges and then implemented them without a breakdown to him. I am assuming he defend it on the basis that the LL has not responded to his asking of a rental breakdown/ any charges applied? -
Hello, I posted on Saturday a letter to Santander reclaiming over 2 k of bank fees (template from this site) . It contained a paragraph in which you say what has happened - lot of death in my family and lost biz too. It was a very painful letter to write. (I kept it just a paragraph). Today they texted me they had been trying to call me and to call back. I hadn't answered since I am avoiding calls from anyone (not in a good place). I feel sick. Do I have to talk to them? I don't think I am strong enough to hold it together on a call (now my keyboard is wet). Kicking myself. -
Hi Ive been sent for EX140 by a curt in the uk based on a supreme court ruling in North America. The ruling was made under severe assumptions. 1. What shall i expect when i go to court with the form 2. Would i be able to challenge the ruling? Any help or referral would be appreciated. -
I was driving in Hungary last summer and paid to drive on the motorway like i did the year before, i then received a letter from Euro Carparks EPC stating that i had been fine £54 but it was not clear what it was for t hey sent me picture photos, I tried to telephone them put after several attempts gave up because no one answered i email them and they took a couple for weeks to reply they said I had not paid the correct toll for my vehicle, I paid the fine and then received a letter stating that it had gone up to £185. because i had paid the fine i ignored one month late I get another letter stating that I had paid no fine and owed £185 and that it had to be paid by the 28th March, I emailed them and sent a recorded letter as advised to do by CAB. and again I waited a week until I received an email stating that I now owe £127. and I quote on this email it said ''Please note that any further communication which does not contain new pertinent information or evidence will not be entertained or replied to. Where do I stand do I pay it and put it down to experience or where do I stand if i don't pay it. -
Hi all, Im totally new to this forum and wanted some advice from you all. I've done the necessary searches for a case similar to mine but couldn't find anything. Here goes: Contravention happened on Bright Road in Purley, Surrey. There are 2 red route bays there that you can park in. One has the times of 7am-7pm and the other is 10am-4pm. I was unsure as to which was which and stopped in the 10-4 one at 09:55, got out of the car to check the board with the times on (as it faces the pavement as opposed to the road) and got back in my car to drive around the block a couple of times to make up the 5 mins. Received a PCN on September 2015. Wrote a letter requesting CCTV footage for the time period between 09:55 & 10:00. I heard nothing back from them until September 2016 (12 months later) requesting £190 as the time had apsed to pay the original £65. I immediately wrote a letter informing them that since I received no reply, I assumed this PCN was null and void. The responded saying that they had sent out CCTV footage and I had failed to pay. I wrote another letter explaining that I hadn't received any correspondence to which they then sent CCTV footage (signed for Royal Mail) They then raised this with the County Court. I've filled out a TE9 and received a letter today from the courts saying that the 'Order for the Charge has been Cancelled'. The CCTV footage is only for the minute of 09:55 where I drove into the bay and semi-parked to check the times. They haven't given me any more footage after 09:55 to show that I had in fact driven off. My questions are: Can they send a reminder out to pay a PCN exactly 12 months later? Can they select what parts of the CCTV footage they can send me? Im currently on maternity leave and really cant afford to pay £200 for a fine. Can I fight this and on what grounds? Many Thanks in Advance -
Hi All, I went around to my old rented house this evening to pick up post and one of the letters was a Notice of Enforcement from Rundles. It states that they are acting on behalf of my local Council and it relates to a PCN (being in a bus lane) from September 2016. I moved house 2 weeks before the infringement happened and I didn't inform the DVLA until a later date about my change of address so I guess they had got the wrong address from the DVLA . One of my current housemates (who lived in the previous house) was also around a couple of times to pick up post however this is the first time I am aware of this PCN. The tenants told us that on a couple of occasions the landlord had been around to pick up our post however she never forwarded it on. Anyhow I would like some advice on where I stand seen as I was never given the opportunity to pay the original PCN. Is this something I should call the Council about and agree reduced fee? The total sum owed is currently £173 (Debt + Compliance stage fee). The enforcement notice says I have 2 days from now to pay up before an enforcement agent come to visit (although they will be at the wrong house) Any comments or help appreciated. -
I paid them for a couple months via Monthly Standing Orders which i set up, this was after the Debt Management Company I used folded, I then stopped paying all of them recently ... I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them They are the only 1 from 5 to provide thus far, so tbh i still had a great result This is very true, i assumed info from a company like StepChange would be best i would get, not a mention or suggestion of doing CCA's came from them Sometimes their hands are tied to give certain aspects of advice and as I say CAG was a blessing in disguise when i read what people were saying about making CCA requests I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them, they are the only 1 from 5 to provide thus far, so tbh i have still had a great result ! Better late than never, very true -
Hi Everyone Im hoping for some help on this please. I took out finance december 2015 on a vehicle, immediately fell into difficulties in January and had the car repossessed. I was in complete communication with the finance company, met the transporter to recover the car and kept talking with them throughout. They explained that there may be a shortfall from the resale of the vehicle which i appreciated I heard nothing for a month or so, but expecting there to be some shortfall emailed the company to find out what happened next . I then had a letter sent to my address from their solicitors saying a CCJ had been registered and that I had to reply to the CCJ that would be sent. Next thing I received was a CCJ had been awarded to the claimant asking for £392 a month to cover the balance of almost £8k - when only £9k was borrowed, the car was returned in immaculate condition and was resold almost immediately for over £8k (internet search showed this) I found out that despite having my correct address, the ccj was sent to my previous address. Where do i stand in having to pay back almost 90% of the finance despite no longer having the vehicle? And where do i stand that I have never had the oppurtunity to represent myself in court to explain that the vehicle was returned due to the fact that the finance company explained the shortfall would only be small and manageable? Thanks in advance -
Hello everyone I hope your all having a good day, I have been sent a few demands for payments in a letter from Lowell portfolio in regards to various debts they have acquired. The letters are threats, demanding for payments and are asking me to phone up and arrange a payment. Today I rang Lowell ( I know, I know) and asked them for over an hour which I have recorded with their knowledge to send me a ''bill'' with a giro slip / cheque / remittance form so I can remedy the accounts they have refused to send me a bill with the remittance / giro form on the bottom. They have said they will send me some sort of acquisition letters and how much I am alleged to owe and their bank details to make payments to, I have no idea if this is the same as a bill but I'm sure its not and after an hour they have point blank refused to send out a ''bill'' so I can remedy via giro credit and said they will only send out an acquisition letter and I can only pay via credit card. I told them that I can not pay a debt without first receiving a bill which in my world would only seem fair and that by refusing my payment offer and refusing my request to send me said bill they have now null and void my debts. They said that they would still come for me for my debts and put the phone down. I'm just wondering what to do now as I haven't got an actual bill to pay the debts just some dodgy threatening letters and they have refused to accept my offer of payment through giro bank credit. I'm just wondering what to do now as I do really want the bill sending to remedy the accounts , do they have to send me a bill or is a demand letter or an acquisition letter classed as a ''Bill''. By refusing my offer of remedy and refusing to send me out a proper bill have they just null and void my debts. Any advise would be greatly appreciated on what to do next as I will not pay via card or debt. Many Thanks BB a4v
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I feel so upset and frustrated. I got pip for a year, then after an assessment for renewal they did not award me enough points to carry on getting it. Before I was getting the standard care rate. I appealed and asked for the mandatory reconsideration but again the DWP refused to award me. Only after being sent out all the forms did I see where the missing points were. I am working with Harc and it was for preparing food and both the recent form, and previous form my answers were the same yet they did not award the 4 points the second time but gave me the same points for the same things as last time, bar that. So, I appealed and went to the tribunal and they awarded me more points which took me to enhanced care and lower mobility and I thought great, finally over. Got a letter through dated the 24th (my appeal was on the 18th) and it says we've applied to the tribunal or a statement of the reasons for the decision made on the 18th as we may wish to consider applying for permission to appeal against that decision. I'm sorry we won't be paying you the benefit awarded by the first-tier tribunal at the present time. We have one month to consider applying for permission to appeal. The period of one month starts from when they first=tier tribunal reasons has been issued. If we decide not to apply for permission to appeal we'll start paying you the benefit strait away and we'll pay money we owe you, if we apply for permission to appeal and it's not granted, we'll consider if we can start paying you (what do they mean they'll consider if they can start paying me???) I'm getting so upset and no idea what to do next. How do I find out when this month starts and ends and is it common for the DWP to be granted permission to appeal. What will they be appealing? the points I've been awarded? I thought the judge at the appeal I went to had the upper hand so to speak, why am I now being put through this. Please can someone help me understand what's happening here and what I should do. Much appreciated. -
It seems most debt collection agencies know when you have started making an effort to pay back debts. I have been able to agree reduced settlements or reduced monthly payments for some of my wife's debts, starting with the smallest and working upwards. It seems lenders that have made no contact in months previously are starting to threaten legal again and in one case , sending debt collectors to our house. I check our credit reports monthly through Noodle, Credit Score and also Check My File and decided to check our file also with Trust Online for any CCJs. No CCJs even on the Trust Online as at 30/08/16. My wife's latest report now shows a CCJ from 23/08/16 for a default that shes had a while. It was for a HP Car finance from Blackhorse She told them in 2014 that she's moved to husband's address and wanted to negotiate a way she could either hand car back or pay reduced amounts. I am self employed and was the sole earner. I was in hospital for quite a while after a motor accident and couldn't make payments on wife's behalf. Blackhorse decided to collect the car in the middle of the night rather than negotiate and wrote to her at my address (current address) that £480 owed. A period of two years, she has received letters from 5 debt collecting companies claiming that debt has been sold to them all at the right address. I feel the debt collectors have intentionally sent the CCJ to old address for £586 so that we will loose out knowing that it takes a month to show on credit reports. The courts claim a month has passed and said i could pay £255 to set aside but warned that the lender doesn't have to agree to a reduction of lump sum payment or monthly payments even after it's set aside. Can i get the debt company to agree to set the CCJ aside by consent so that i only have to pay £100 to the court and a full amount to them? Is there any point paying £255 + £586 for a debt of £480 that seems to have been intentionally sent elsewhere? I read also that the Court takes timing seriously, is it a disadvantage to contact the lender instead of complaining to the court first? Whatever happens , i don't want her to get a CCJ, not even a satisfied CCJ. Am i better getting it set aside and waiting for the response or is it easy to just get a judge to throw it out entirely since there's no justification for Blackhorse or any of the debt selling firms not to have my current address? If she's told the lender of her current address, lender has repossessed vehicle from the same address, lender has written to confirm debt sold at same address and five different companies have written to that address... Can i get the court to penalise their solicitor or perhaps even cancel the CCJ all together? -
Hi We are currently in dispute with a builder. We have taken all appropriate pre-court action steps and are now at the point of submitting an N1 form to kick off a claim. Could someone tell me if any supporting evidence is supposed to be enclosed with this claim form? Or will this be requested later? We have quite a file of letters and expert reports and we are not sure at what point these come into play. Also, (maybe a silly question but I want to do this right). If there is not enough form for the particulars of the claim in the space provided, can you use this space plus another sheet or are you only supposed to use one or the other i.e. it does give the option of 'attached.' I reaslise these particulars are supposed to be fairly concise. Thanks in advance. -
I had an aqua credit card, which I did stop paying last year. Before I was able to come to an agreement, they sold the debt. I have sort of ignored them, but I did speak to them on the phone several weeks ago, well Restons their solicitors, and I did say I wasn't prepared to discuss anything over the phone at that time, but they did agree to send me a letter with a repayment proposal/my expenses. This did not happen. I have been looking after my sister who recently had an op and came home to a letter from The letter from Northampton Courts, which I opened today. I have until tomorrow to respond. states that the claimant(Arrow Global) claims payment of the overdue balance due from the defendant under a contract between the defendant and New Day Ltd dated on or about Jul 17 2013 and assigned to the claimant on Feb 22 2016. Do I admit to the debt or fight it. Thanks in advance -
Got a sudden issue with HMRC who have sent me a nastygram for what looks an error I have made on my 2015 self assessment return. I was made redundant and had a few jobs tying me over (as an employee) until I found a good new employment. To support my income I also did some catalogue selling for one of these door to door companies plus some selling on ebay. As this extra income needs to be taxed I did a self assessment. I entered all the details as requested online and submitted. My tax liability was adjusted through my next PAYE code and all seemed fine until a few days ago when I received a letter from HMRC stating that they were investigating my return as there was some income missing and they wanted me to call them by the 13.06 to help with their investigations. They are alleging a company gave them an additional income figure of £3110.- which was not showing on my return. They say the company told them tax of £160.- was paid against this to HMRC. They say I still owe an additional £500 off pound in tax plus they may fine me. I was totally perplexed as I had no idea what this was all about. The company named on the HMRC letter (let's call them M) was one of my previous employers in the period when I had a few employments after my redundancy. I left them end of May 2014. Before I started another employment (with company P) which only lasted 6 months or so before starting my current employment (with company L) Going back through my records I have a P60 for the tax year ending April 2014 from company M. Then I have a P45 from company P and all other records are from my current employer, L. I have now realized with shock that I do not have any P45 from company M covering the time from April to May 2014 in my records and that the amount in the letter from HMRC must be the wages for those two months April and May 2014. As I have no P45 in my folder for those two months I obviously omitted those eight weeks of employment from my return when I completed it in 2015. I tried to phone HMRC but they are closed by the time I get home from work. Although it would appear I made an error on my return, what I don't understand is, why HMRC calculates £3110.- of salary at a 20% rate of income tax. I have never paid 20% income tax as my income was never that high. (Always below 20 K pa) So why do I owe £500.- in tax on £3110.- of wages which have already gone through the PAYE system at the time. I am totally confused about their calculation.
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mum died a while back. I had her estate sorted out and all accounts closed. Today I was just checking her emails and I saw there was an email off the national lottery. They said "We have transferred the balance from your National Lottery account to the bank account associated with your debit card because it is about to expire". I thought it was just spam at first but it had a username down the bottom. I entered mums usual password and sure enough it logged in I checked transactions to see at the end of August this year they did send £26 to my mums bank. I never even knew she had a lottery account. What happens now? That bank account was closed around 6 months ago. Thanks
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HI I sent CCA to Lowells for 3 different accounts. I had no response this was in 2014. I have now received pre-legal assessment letters. I have kept the post office recipts as I sent recoreded with 1 pound postal order. I also sent to Bryan Carter as well. (he respoded was on hold until could get info) never heard back from any of the creditors until now??? How do I prove I sent CCA if it goes to court? and do I need to send another CCA as its been 2 years?? Any help thanks -
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My partner has a credit card debt which has a CCJ against it. He pays Moorcrap £120 per month. Just recently he has started to receive calls from them, pressing him to increase the payments due to the amount of time it will take to pay off. I have told him not to worry as there's nothing they can do as long as he is complying with the CCJ. However, the calls are becoming really annoying. Is there a letter worth sending to them?
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Hello All A friend of ours mother passed away last year. She sent our friend for adoption when he was 9 months old. His mother then had a daughter, who was fostered out. After this, the mother moved to the USA and had 3 further children, which she raised herself. The family in the USA have distributed the cash and other belongings between them, however there is a mortgage free house in the USA, which the family want to dispose of. Would my friend, as the eldest child have a claim for a share of the house, despite being sent out for adoption many thanks in advance EOS-5D
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I have a letter from CSS.. They want money for DWP, not sure what it could be, I had a DRO that went through and i think it could be related to that? I know that it's best not to call them or speak on phone, what do I do now? Could they be potentially messing my credit score up (what's left of it)?? Thanks. -
hi everyone i need help badly. a few days ago i was caught stealing at boots and the security guard lead me to their security room. inside, there is one female boots staff and another security guard from the shopping mall. total three of them. the security guard from boots asked me to take out whatever stuff i have stolen i did as told as i was too afraid. later on, he asked for my id and name and home address which i gave as well issued me with an RPL form. the amount i have stolen was £220 i know its so stupid i stole 4/5 perfumes thats why the amount is expensive. he called the police police came and searched my bag found another item i had stolen from another stall. i cant lie because the tag is still on and i have no receipt. the police took me to custody at police station. first all my items are being emptied from my bag and jacket and all the police found another item in my jacket which i totally forgot about it i was so scared i keep begging her but no use i was asked if i need a solicitor the police and the surgeon kept saying whether or not i have the surgeon decision is not going to change. i told them i dont need which i regret after i come back home i was asked questions by the surgeon and lead to a cell room which i was lock. after an hour or so the police come and told me they are going to my house and check my room and state this is always the case for stealing. i was so worried another hour has pass in the cell room and finally she is back she said my room doesnt look suspicious and she commented i always have tea in room? later on she interview me with a recording and then ask me lots questions. i admitted of stealing at two stores afterwards, my dna and photo (front and side views) as well as my finger prints are all taken and recorded i was told by the surgeon that my case will be a caution (is that called caution?) and i can go home. no action will be taken and the polices just told me not to do silly things anymore and they say i might receive letter from boots thats all. i assume that will be the RPL lettter? im so scared: will my housemates know what letter that is? is there any sign showing that letter is from RPL? also, will i be fine??? btw im above 20 years old. I need help people. i couldnt sleep for nights and keep having bad dream about it. what shall i do. someone help me please -
Hi, Im in a real pickle. Im so sorry this is so long but the more i tell u the more u may be able to help me. My father owes/d money to barcleys bank (credit cards, im sure theres 2, which he got out in 2003 and was not working at the time, so how he got them is beyond me). Anyway, he couldnt pay them and barcleys got back in touch with him in 2005 and he struggled really bad to start paying them back each month again. So last year or so they sent him a letter asking for what was his incomings n outgoings etc and he went to the citizens advice and got there help about it. So he started paying back a £1 for a few months then he went back to the CAB and they said he had to up it so he did. Then he went back to CBA for the samething and then was told they could only see him i think it was 3 times and that was that. So we wrote a letter to barcleys asking if they would accept x amount n they agreed. They asked dad if he could up the payments then please could he just do so when it was viable. So dad did, he just started paying that little bit extra. Well he received a letter on the 14/01/11 tell him the debt had been bought by Apex on the 24/12/10. How come we wasnt notified earlier??? Should we have been?? On the letter header it says it was sent on the 13/01/11. He has phoned them once, asking where to pay them and hes now paying £25 each month off. Do i need to ask for a CCA?? Do i need to send a letter out for them to stop intreast??? Do they charge intreast?? The debt is now at about £8,000 Im really starting to worry about this has gone on so long and also i no hes worrying about it and being a sick person its doing nothing for his health, i really just want to help sort something out to help him and my family. Thanks for ur help in advance
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The following is a short extract from a press report in today's Daily Telegraph regarding the Reverend Paul Nicolson's forthcoming court appearance at Tottenham Magistrates Court: By the end of next week, Paul Nicolson could be facing prison and bankruptcy – an unexpected turn of events for an 84-year-old retired vicar who has never previously been in this type of trouble. On 15 June, he will appear at Tottenham magistrates court in north London for non-payment of council tax since 2013: he owes £2,831.42. Meanwhile, he must decide what to do about the £47,000 in costs awarded against him last month after he lost, in the high court, a case he brought against Haringey council over the level of court charges imposed on residents for non-payment of council tax. It is all a great deal of money that he doesn’t have, but he appears to be delighted at the potential scandal that the imprisonment of a retired vicar could stir up, and the useful attention that his case could bring to a little-understood aspect of welfare reform. “I am really not in the slightest bit afraid of prison,” Nicolson says. He is looking forward to his court appearance, where he will have the opportunity to explain why he has decided not to pay his bills. “One of the joys of refusing to pay,” he says, is that there is a “wonderful opportunity” to tell the story of why the 2013 abolition of a centralised council tax benefit has had such catastrophic consequences for hundreds of thousands of people. Tottenham’s magistrates would be wise to steel themselves for Nicolson’s 10 o’clock appearance in the dock, because his arguments are likely to be delivered with the mesmerisingly stern precision of a 1940s BBC newsreader. A group of protesters are due to gather outside the court in support of his campaign. http://www.theguardian.com/global/2016/jun/08/vicar-dibley-paul-nicolson-council-tax-refusing-benefit-cuts-jail-prison?CMP=Share_AndroidApp_Scoop -
Hello everyone. I am in such a stupid position that I have got myself into. I am extremely worried that it is stopping me from sleeping. To cut a long story short I have buried my head in the sand for far too long, on June 21st the Bailiffs will be coming to my house. I have been looking around and seen that it's possible for me to fill out a 'n245 form' and ask the court to stop the bailiffs coming. I have a few questions before I do. Firstly, tomorrow I plan to print off the form and send it out first class. Can the Bailiffs next week after I send this form? Should I let them know I have sent the form, or won't it be necessarily? If they turn up should I tell them then? I am extremely anxious at the idea of them turning up at my house, I am a nervous wreck. If the court do accept the application, what happens then? I am currently on Universal credits so not receiving very much money at all. I honestly won't be able to pay much every month. Do they court decide how much I should pay off of the CCJ? I'll do anything to stop bailiffs coming, but I have such an extremely small budget I don't know how to fix it. I'm very frightened and overwhelmed by the whole thing. I have also heard that the n245 form costs £50? How is that paid, I simply cannot afford to pay it in one go at the moment. I've read about a ex160 form that can apparently help with reducing that cost? Is that right. and if so do I have to send it along with the n245 form to the same place? Thank you for having such a place to come to for these questions (and I apologise for all the questions that are no doubt pretty stupid x) Yikes I have just re-read my post, I apologise for the typos.
