I have an issue with cabot ref a catalogue debt, they say they dont have a signed copy of the cca because its a catalogue debt but a re-constituted one has been issued with my details hand written in and no signiture from myself and that will stand up in court and meets my cca request, the statement of account they issued is just a printout and contains just a list of items and they say its enforceable any ideas they have refused to answer anymore of my letters so not being helpful, they have passed it back to their collections department any ideas on where to go from here. I did advise theres numerous charges which are being disputed but cabot say i need to take that up with the catalogue company and if their advised of any charges being removed they will adjust the balance. .i thought while the balance was disputed the account cannot be collected on or am i wrong.

I need some advice as to what I should do... here are the details of my situation. I purchased in to a property scheme run by a vendor in Nov 2008 , where you pay the vendor £2000 and for this they find a buy to let property for you where the rent covers the mortgage payment , the vendor takes care of the purchase of the property, they take care of the solicitor, all the management, (renting, any bills) all bills after two years you have the option to sell the property or to continue to use their services. The Solicitor used was in this with the vendor, the valuation from the surveyor showed that the property was worth more than what I was paying After three months after purchasing the property, the rents stopped coming in I started to chase the vendor who told me they were having some cash flow problems and I will get the rents to cover the mortgage, this went on for a two to three months and soon the vendor had disappeared. I visited the property I had purchased and asked the tenant for the rent and to pay me directly, and found out that that the rent came very short of the monthly mortgage payment , I got a local estate to come and value the property and they valued it less than £120K of the purchase price. I went to the police and told them about this, they said there is nothing they can do as this is a civil case I then instructed a solicitor to investigate and their findings showed that the property was bought and sold in a very short period less than a month, where the price sold at was over inflated by 120k, without any work done to the property. I told the mortgage company and told them there is no way I can afford the to pay the mortgage, this was around June 2009, The mortgage company repossessed the property and sold it in 2010, this is where the shortfall of 110K is. The conveyancing solicitor was part of a fraud, the solicitor is now no longer around, they were an LLP and I have tried to take them to court and sue them and claim damages from their indemnity insurance, but the indemnity insurers have said they will not cover this as this was a fraudulent act intentionally done by the solicitor. Now the bank has passed the debt to a number of debt collectors , this is the third one who is contacting me. To make things even worse, at the time, back in 2008 I actually bought three properties via this vendor, so I actually have three mortgage shortfalls that I need to deal with. I have been living with a lot of stress ever since this has happened, it is really getting me down, has affected my whole life, mentally, physically, affecting my family. I feel I have been let down by the whole system, I purchased these properties in good faith, thinking this will be an investment for the future but in reality it has been nothing but a nightmare. I need to find out what I can do to stop the debt or not pay the shortfall the debt collectors are asking for. Can anyone help and point me in the right direction

Hello I really need some help please. I bought a solid gold christian name necklace from 'My Name Necklace' and purchased their 12 month warranty at the same time. Just inside the warranty date, the chain broke, I completed the online claim form along with a photo of the broken chain ( The warranty covers chain breakage ) The company emailed soon afterwards on 15th November stating: We apologies for the situation. We can send you another chain. A prepaid return envelope will be sent so that you can return your original item to us.* Please let us know if you agree. Please note that this envelope is already addressed to us and prepaid. Simply place your item in the envelope and drop into any mail box. There is no need to add postage or go to the Post Office. Please let us know if we could be of any further assistance. Best Regards, Allison Brown My Name Necklace Customer Service Team I replied stating I would use the envelope but as the order cost me £116.00, I would not be popping the envelope in a letterbox, and would pay extra to send tracked. 2 weeks passed, and the addressed envelope hadn't arrived, I messaged again to report this, was told that the returns envelope can take up to 3 weeks to reach me. I realised the compary was overseas, so had to accept this. At today's date there's still no envelope I've contacted the company again and they are just lying / fobbing me off by saying they have escalated my complaint, and then I hear no more. I've asked for the company address and they won't supply it. All communication has to be done through their webforms only. I may have found the address through Google search, but it may not be correct: Mynamenecklace 14455 N Hayden Road Suite 226 Scottsdale, AZ 85260 I'm wondering if there is a procedure similar to the UK 'small claims' that can be done with an overseas company? Can anyone advise please? The necklace was my daughters 2015 Christmas present from me. To be honest, she only wore it a handful of times as the chain is so fine, that she was frightened it would break, and unfortunately the chain caught on her jumper, and snapped when she tried to release it, albeit very carefully. Thanks in advance for any advice offered.

Hi there I wonder if I could receive some advice about the claims guys ? I have received 8 letters from rbs offering me around £5500 for mis sold ppi . I used the claims guys to act on my behalf . I called them after receiving so many letters asking me to fill them out and return them . I was asked to answer each question to support my claims after answering the same questions on four of the claims I got bored and said I do not have the time to continue and left it there, the person said to me that I would need to answer all of the questions for each claim before they could proceed , said that I would call back which I never did. now I have received 8 letters asking for payment for each offer I have had, surely this is not allowed ? How can they try and charge me for 8 different claims when I only answered questions on four ? This amounts to well over 1500 !!!

Hello all, I recently purchased a new blazer from a well known mens formal clothing company for a black tie event I have coming up. The blazer was received and as I have long arms, I quickly checked it and called my tailor to collect it to lengthen the arms. She collected the jacket and returned it a few days later with the alterations being made. This is when I tried it on with all of the trimmings and noticed that the collar was different to the picture on the website - the product I thought I had purchased. I only noticed it was a totally different style of collar once I had a bow tie on. I checked the pictures online again and the cuff buttons and inner pockets were also different to the picture. I did some research and found via the brand website that I had actually been sent a jacket from last season, for this latest seasons cost. Obviously I am extremely unhappy with this and the company is refusing to exchange the item for the correct one as it has been altered. Apparently it is my responsibility to check the item "thoroughly" upon receipt - hence they have nothing they can do apart from a small refund on the price paid. I checked the item, of course, but the differences were not shouting out at me on first glance. I feel really hard done by here, as I have paid for something that is not as advertised and I have also paid for alterations on a jacket that wasn't the real McCoy. I do not think the differences were significant enough for me to have noticed straight away, but it is indeed a different jacket. What are my options here? As the company are not playing ball at all - even thought they have "99% feefo" etc etc. I feel cheated and want the item I originally purchased or a significant discount for the fact it is old stock.... Sincerely, D

Anyone have any e maill addresses for somebody at Dart charge who isn't a robot? I've just wasted nearly 2 hours on the phone to them as they have raised 3 penalty charges for my account (they mean my reg no) which they show as being £10 in credit but they refuse to apply the credit to the crossings I made. I have never dealt with such useless people (and I work for the NHS) who tell me 'the system may give you a refund it may not' and then expect me to pay again for soemthing I've already paid for! I also wish to complain about one particular call taker who was so rude it was unbelieveable and I want to request the recording of that convesration. Thanks to them I now need a new keyboard...

Hi all This used to be the norm for me, checking the forum and working out how to deal with debt problems. I eventually managed to get my credit score back up to a point where I could get a credit card, albeit, a high apr Vanquis card. I was in a stable job earning relatively good money and have managed to make the monthly payments for the last 3 years. However, a few months ago, I lost my job and I had started to study for a career change. I have since qualified and even though I still have the experience of my previous job, it is becoming increasingly difficult to find a job. In the last year or so, I have taken on more creditors due to having financial stability. I took out a small loan last year with Avant credit for £1000 which has £715 left to pay in total, I also bought a new pushbike with V12 retail finance of which I still owe £654, I have a further 2 credit cards with capital one and the balances are £567 and £275. My vanquis card is owing £3167 I made a lot of phone calls a couple of months ago to see if I could hold off payments until I am financially back on my feet, but instead, all the creditors backed me into a corner to make arrangements for smaller payments, even though I couldn't afford to meet the payments due to not working. Does anyone know where I stand with this and what I may be able to do as I am now in a position where all of these creditors have now sent these debts to outside companies who are now writing to me and texting me. My credit score has plummeted and this situation is only going to get worse. I still have no work but none of these companies seem to be listening. Thanks in advance

Help....worried sick mum here....and a newbie to this site, please tell me if I've forgotten anything on this post..... My daughter (age 16) was really stupid in July and tried to shoplift from Boots, she was stopped (thankfully - believe me lesson learnt - why does it always have to be the hard way?), the police were called who in turn called us. They had a 'discussion' with my very distraught daughter in front of me but said they wouldn't charge her and that this would be the end of the matter (before I got there they had already tried to calm her down telling here there would be no further action as she was falling to pieces).... As soon as the police left the security guard said that RLP would be making a claim (he didn't mention this once when the police were saying that there would be no further action taken and waited for them to leave), he pulled out a piece of paperwork and worked out what the amount would be (the goods taken were under 19.99, undamaged and recovered), so it was about £130.00. That evening I looked on your site and discovered the delights of RLP's reputation and waited for the letter. It has now arrived.... The amount they claim she attempted to take is way more than reality therefore the compensation cost has gone up (I believe they are set in brackets of value?). They have written a letter in a very 'you need to take responsibility for what you did' naughty girl way (believe me the police and we have utterly made sure she has taken responsibility) The letter is very much worded aimed at a juvenile, my guess is they got rapped on the knuckles for sending out scary letters to minors??? Otherwise the rest of it is pretty much what others have said in the past that they got from RLP, the problem though is that I can't find any recent threads. . is the advice still the same as in, write to them and say 'any liability to you or any company that you represent is denied' or have things changed? She would pay it off (slowly - she earns a pittance), I n fact she says that's what she deserves for being so stupid and disrespectful but I am worried that if she does it could show on a DBS check which she needs for work as well as me really being disgusted with the underhand way in which they dealt with this.. .(make no mistake I am totally disgusted at what my daughter did in the first place - just felt I needed to clarify that)

Hi everyone I found out this year that my father (who I'd never had contact with) had died over 2 years ago, and had left me £25,000 in his last will and testament (I have a copy of the will from public record). However, the executor is my brother (who I've also never met) who inherited the majority of the estate, and after some difficulty in getting a response out of him, he has responded saying that I was removed from the will as a beneficiary. The copy of the will that is on public record does have codicils on it, but they do not relate to the money I've been left. My brother has now stopped contact, and I'm unsure of what the next step is! The document is a high court document from the district probate registry at Oxford, but there is no contact details for anyone other than the executor (my brother). Any advice please on how to proceed?

Hi Everyone, Looking for some help. My partner made an application via a PPI company to claim back any PPI he had on his old accounts, They found we had 1 from Welcome Finance on a car we had in 2004. they sent away to claim it back, Welcome instantly declined it and the management company dealing with the claim for him decided to send it to the FOS. 2 Months ago the FOS found against Welcome and advised them to reimburse in a proper manner. But now this is where we need help. Welcome has sent us a letter which I will attach for you to see. they have stated that they are going into liquidation in the next year so have been advised not to make any payments to people?? Can they do this? Or is this another way they are trying in order to get out of paying people there money. I have attached parts of both the letters they have sent. Any advice would be great

Hii everyone, Is there anyone who could give me some advice or point me in the right direction to get some help about CRAR I can't seem to find out any answers on google. Thanks in advance

A friend of mine has recently moved into a new flat above a parade of shops. Access to the flat is around the back of the shops last saturday evening I helped him move in and took some of his in my car to unload. I parked in a parking area behind the shops and he unloaded the car, I was there for less than 10 minutes. Unfortunately I received a PCN from Highview parking through the post. I went back to the carpark yesterday to read the parking sign as I genuinely didn't realise I wasn't allowed to unload there, The notice says by parking there I agree to the terms and conditions but the t&c's aren't stated on the notice. Just wondering the best way to proceed with my letter in the first instance to Highview.

My debts and some clarity: Since becoming involved with CAG some 6 years ago I have learned so much, but sometimes my mind is clouded and confused. Story: I am long term disabled and in receipt of some benefits and have been debt free twice in this period. But due to moving and having a bad credit rating and a horrible bank I switched to a new bank. I was offered a nice account with Nationwide with a good overdraft and a new credit card, my OD was at £650 and used often, free for a period, this is now sorted and in credit, the credit card was issued with a limit of £1800-00 or thereabouts. It was used to help me move to suitable accommodation and to purchase items for my new home. Deferred interest now expired. Fees are small about a £1 per day interest. I have been slowly reducing the amount of used credit over the past few months and now considering reducing this amount owed rapidly to save me money on interest (which was/is cheaper than HP) I can clear this debt in full within a few months and then consider cancelling the card and going back to cash/debit card only purchases. I have a second card with a very low limit of £500-00 interest is negligible and nearly paid off in full. Finally I have a credit agreement with less than £300 O/S and considering early settlement. (3 year term) 9 months left saving of one months payment. The reasons behind this is to have more money to live on and no more debt. I am also in advance with my rent with my LA by nearly 2 weeks (£250) I can use this to wipe out the HP overnight and save £34pm Gas and electric both in credit as well. By clearing my last debts I would be better off in pocket by £188pm which is a great thing for me... Also all defaults are now off of my credit file and it is creeping up nicely. As of today. I now have no negative marker on my CRF would clearing off these remaining debts early help my credit increase? Is it worth going a little short for say 6 months to get out of debt nearly 18 months early? Thx for reading this long post thoughts welcome... . the reason for clearing my debts is to lease/rent/buy a mobiltiy scooter that will improve my life so much... MM

hi i was wondering if anyone could please help with some advice we had to move home about 5 weeks ago due to the wifes sister having cancer and we being out of work but actively seeking work the new house is a bit more costs to run and with cuts in our own money we sort of fell into a black hole with our payments to brighthouse when we got a letter a couple of weeks ago we had make choice that way things have been recently we had no option but to call the store n ask if could return the items we had but could i hell get the guy behind the counter to understand we were really at the end of the barrel sorta thing but kept offering to get us go in and redo the contracts with cheaper items but when asked if could return em he said it does not work like that we had 4 contracts with the for the sofa - kids tv and washer somehow the idea was if im falling so far behind to send em back get outta debt with em n replace what we had we borrowed money to replace kids tv and saving for sofa those easiest to go as only had those for 6 months would have been hardest for the washer though as got that in june 2014 so thats over half paid for after 2 weeks of not wanting rewrites of contracts they not been back in touch since but yet the bill gonna be building up i know its not the most ideal situation but due to the wifes sisters cancer and running back n forth to hospital appointments for chemo n specialists just alot has taken its toll lately and really dont know weher been comming or going at times

I private rented from Oct 2014 to July 2015 & landlord got £243 of deposit after using Deposit Protection Service & adjudication. (Email sent to me Dec 2015) This so wrong, it is for gardening and when I moved in the landlord (couple) said Mr. Landlord was going to do one more mow and then after a week or two I was told a man was booked to come and cut the hedges. He never came round. On day I went to sign assured shorthold tenancy agreement the landlady seemed to have changed her mind about me even though they chose me out of people they chose to show the house. I said I was not happy about a clause in the agreement & she said that I could stop now and not go ahead. I was taking tenancy from this date and had given notice on previous tenancy. They did not give me a written inventory and took the tenancy agreement away so I had to ask for a copy later. There were a few things that happened that they handled in a non-professional manner and I gave notice as soon as I could. The amount they got from adjudicator was for gardening. It was very rainy leading up to me leaving also I was busy organising move. I did a first strim of the garden which is very large and had already cut some of the hedge before. When the landlords came there at end of tenancy I was strimming still doing a second go but had not finished. They would not let me stay to finish or come back to finish even though they said people were coming to look at the property (in 4-5 days). It was July and I mentioned the nesting birds I had seen. The landlords claimed to have both spent hours and hours totalling £243 cutting 2 hedges and doing grass. In effect I've paid them to do their own garden. The Deposit Protection Scheme wrote to me from 9 different email addresses! A lot of the time from their do_not_reply email so I was not sure which email to reply to them on. I found their website hard to see, written in light grey and small writing. I was not clear what was happening as the process went along and if they had received all my evidence which was done by email. Please can someone tell me who to appeal to. I have written to the DPS saying I want to complain and can they send me a copy of their complaint procedure and they have replied saying they will reply to complaint and if not resolved will send me full policy. Am I able to take landlord or DPS or both the a Small Claims Court? I used one years ago but don't know if they operate in a similar way now. What about the Financial Conduct Authority? An ombudsman? Thank you for reading.

Hiya and thanks for reading. I have just bought a couple of sofas from a guy advertising new sofas on gumtree. He's got loads of adverts for many kinds of settee's, chairs etc for immediate delivery in England. I rang the mobile number but no answers and then he rang me back but on a private number. We spoke about the sofas and I said I liked the sofa which was advertised. He said that the sofa would be delivered but if it was not suitable or did not match the description I didn't have to pay anything( cash on delivery) I took delivery on the 3rd January 2016 and sofa was beautiful, soft bnded leather. Unfortunately since having the sofas my partner has been itching and said he feels warm when he sits on it and I feel a bit itchy but my eyes sting, my nose and throat feel like they're burning abit and I feel abit short of breath. I have tried ringing the guy but his number has changed and he is advertising under another number. I have been in touch with consumer advice and they have referred to trading standards but as of yet they have not been in touch. Is there anyway I can track him down through Gumtree as his advert says he has been posting for 1 month and goes by the name of Daved, and that's it. I think the sofas may have sachets of DMF (which is now apparantly illegal to put in sofas) in them. I'm desperate to talk to this guy but think it might be impossible. Any help will be good, thanks.

From the BBC. Some hospital trusts in England are making more than £3m a year from car parking fees, Freedom of Information (FOI) requests have shown. Of more than 90 trusts that responded to FOI requests, half are making at least £1m a year, the news agency Press Association (PA) found. The Patients Association said the charges were "morally wrong". But many trusts defended their revenues, saying some or all of the money was put back into patient care. http://www.bbc.co.uk/news/uk-35157425 HB

Wherever you are i hope you enjoy your party tonight. Paid for hopefully by your boss. Meant to put this on this morning,oh well better late than never. Many will already be out there.So i am off,it may go quiet in here as the night progresses. Would really like to know tomorrow when you recover how it went. Bet there will be many interesting tales to tell. Tonight is when drink sales hit their peak on the biggest office party night of the year - how do you survive it? Will it be a mad Friday. http://www.telegraph.co.uk/topics/christmas/12057746/How-to-survive-Booze-Black-Friday.html Why 'Mad Friday' leads to 'Dry January' http://www.bbc.co.uk/news/uk-35129990 Booze calculator: What's your drinking nationality? In the month of December alcohol consumption increases as many people celebrate the festive season. In particular, the last Friday before Christmas - popularly known as "mad Friday" in the UK - can be the moment when many drink to excess. But how does your drinking measure up to the average in countries around the world? http://www.bbc.co.uk/news/health-30500372 Says i measure up to Kuwait-he-he What country does your drinking measure up to? For those in Wales. Live Black Friday updates from across Wales on parking, travel, shopping, Christmas parties... and jumpers! http://www.walesonline.co.uk/whats-on/whats-on-news/live-black-friday-updates-across-10620336 From the North East. Live updates and pictures as people hit the bars of Newcastle for pre-Christmas festive fun on Black Eye Friday, the biggest night out of the year http://www.chroniclelive.co.uk/whats-on/music-nightlife-news/black-eye-friday-newcastle-live-10618815 Live: Mad Friday in Manchester http://www.manchestereveningnews.co.uk/whats-on/whats-on-news/live-mad-friday-manchester-pictures-10622117 Mad Friday in Liverpool live: updates from the big Christmas night out http://www.liverpoolecho.co.uk/whats-on/music-nightlife-news/mad-friday-liverpool-live-updates-10615149

Hi there everyone on CAG. I've read lots of threats on here, which have been full of very useful and invaluable advice, but I couldn't find anything very specific to my query. I'm hoping my thread will help people in the future with the same question. I'll quickly describe my situation. It goes like this: Basically, it's exactly what I've been charged with. I was on the London Underground, I didn't have a valid ticket, I got caught by a ticket inspector as I tried to exit the station who then asked for my details. I am not going to cry and whinge about my financial circumstances and any personal drama that led me to not having a proper ticket because; I deserved the outcome. It's all my fault and I deserved it. I didn't have a ticket, I used the trains unlawfully, I got caught by an inspector, I got sent a Court Summons, I returned it with a Guilty Plea, I got a hefty fine, I paid it all off in one go and the case is now officially closed and I've learnt a lesson to remember. What I would like to know is about is the charge I have been convicted of. I was only charged by TFL/the courts with this charge: 1: Byelaw 17(1) - No person shall enter a compulsory ticket area unless he has with him a valid ticket. On my 'Notice of fine and collection order' it is worded slightly differently, like so: 1/ Enter a compulsory ticket area on the Transport for London regional network without a valid ticket I am quite confused on the implications of this. My general understanding from what I have read is that, on the grand list of fines and charges that Rail Networks can hit you with, this one is quite 'minor'. There is generally no defence against it in court because it's a black and white issue. Either you had the correct ticket for the train stop you were getting off at, or you didn't. I have been told it is a 'Strict Liability Offence'. I have also read that Byelaw 17(1) is a 'non-recordable' offence and Byelaw's don't show up on Criminal records, except on enhanced Criminal Record Background (CRB) check's. My questions, which, again, I hope can also help other people, are as follows: 1: What is a 'non-recordable' offence? Does it show up on Criminal Record Background check's? 2: Again, from what I have read numerous times on different forums/articles I have seen that Byelaw offences 'may' show up on an Enhanced Criminal Record Background check. What decides whether or not it 'may' show up? Does it depend on what type of Byelaw offence it is? 3: Are TFL Byelaws any different to Railway Byelaw's offences? 4: What makes Byelaw offences different from, say, the Regulation of Railway offences? Is there a difference in the level of seriousness of the charges and conviction implications between the two? Finally, 5: Certain countries I want to travel to in the future require a visa and also a Criminal Record Background check (Australia, Canada, USA etc...). For this, I will need to provide a 'Subject Access Report' from the Police which shows all the information held about me on the Police National Computer (PNC). Will my Byelaw17(1) offence be held on the PNC? Thanks for any help and advice!

A/ Why are hover boards sold if you can't use them on the pavement or road. B/ why do people text while crossing the road. C/ Why do some young people wear there trousers half way down. D/ Why do some people shout at someone if they are next to them. Any ideas of the above would be welcome and perhaps some of your own..

Hi Guys, got some previous help from people and was hoping for just a little bit more info as I try to get myself out of this mess specifically what would be the impact of having an partially satisfied debt on my account when I have a CCJ on it already? CCJ was on 06/08/2014. making repayments on this and it will be satisfied fairly shortly. plus have the intial default for this debt which is 31/01/2013. A default for a overdraft dated 31/05/2014, will be making a full and final offer soon and lastly a credit card debt with a default 05/09/2012 for an amount of £323. For the debt of £323 lowell have offered to accept 50% payment but the debt will marked partially satisfied. I just want to know how much this would actually make a difference. Because of the low amount I could just repay in full and have it marked satisfied but would this make any difference to other lenders? Would it help to have at least one debt as satisfied or is it really a case once I have 3 defaults and a CCJ then it makes no difference? getting abit confused by all the info out there about this really not sure if having 2 satisfied debt/ccj and 1 partially satisfied debt is any better then having 1 satisfied CCJ and 2 partially satisfied debt any input would be greatly appreiated

I hope somebody on CAG can help or advise me please? Back in 2009 I received a CCJ for overpayment of wages made by mistake from my previous employer, the solicitor at the the time sent me letters which I stupidly ignored and a was issued an Attachment of Earnings by the County Court which was cancelled by the solicitor as I entered in to a repayment agreement. The original debt was for approx £1300 if I remember correctly. I have been paying the debt off since 2009 I have missed several payments due to a member of my family being taken very ill and I have had to reduce my employment hours from full time to part time hours to help care for my family member. The last payment I made was back in September and I was told that there would be no further payment agreements made as my debt could not be held any longer and one of three legal proceedings will be taken against me (Attachment of Earnings, County Court Bailiffs or High Court Enforcement Officers). The present balance of the debt is now £380. I have sent off a e-mail to the solicitors in question making them aware of my present situation and to ask for a last chance to repay this debt but I would like to ask for advise from CAG as this is worrying me sick. 1.As I have made a genuine attempt to repay this debt will the court decide to take further action?. 2.Can the CCJ be re-enforced? (CCJ has now dropped off my credit file). 3.Can this debt be enforced by HCEO's as the debt is under £600 and can the solicitor decide to add loads of charges to make the debt enforceable by the HCEO?. 4.Can County Court Bailiffs be used to enforce the debt and can I still apply to the County Court to make a repayment arrangement to prevent County Court Bailiffs?. I have not been issued any court papers since 2009 but I am worried sick about further court action being taken. I hope that somebody can help/advise me. Thank you.

Hi everyone, I'm new to the forum having been recommended by a mate - I have several outstanding debts dating back to pre-2007 and have been in a DMP since 2008/9 paying £100 a month that is distributed to ten different DCAs. I have recently lost my job and in my 60s... I need to know how I can clear these debts as it is affecting my health and preventing me from getting a new job - because of the industry I work in. I have a very small pension and no other income so am now struggling to even pay the £100 per month. The debts are totalling roughly £40k and I am now at my wits end. My friend has suggested I send CCA letters to all of the DCAs which I am going to do this weekend. I'm also going to read as much as I can on these forums to 'educate' my self a bit more but would be grateful for any advice or suggestions. Thank you

I joined this forum to ask for information I am having with this company, they are nothing less than loan sharks. I got involved with them in 2006 I was very ill recovering from brain surgery (to remove tumour) in those days the DWP did not pay your mortage interest until you had been off sick for 10 months, I could not drive let alone work and so my mortgage was in serious arrears, I took out a £7,500 loan with Prestige, more out of desperation than anything else, I wish I had never heard of them. They sold me PPI when they knew I was self employed, I found out later that the PPI did not cover the entire loan (which was 8 years) I tried to get it back but they said they had not sold it to me inappropriately, they supplied a disc of my initial conversation of which half of the conversation was missing. I have complained and complained over the years, in 2010 once again I was back in hospital having another tumour removed, I contacted them because I could not work again, they did nothing other than take proceedings for the repossession of my home my dad loaned me the money to stop this but I couldn't keep up with the payments and yes they were sending me letters on a daily basis, sending collectors to my home etc., etc. This loan was finished in 2014 but they are still chasing me for disbursements which they claim I owe these costs are around £12k in all! I have already paid over £3000 more than the original costs. Essentially now they want over £30k for a loan of £7500. They have now issued court proceedings to repossess my house for the charges, the loan has been repaid in full. I wanted information if anyone knew what the government consider fair charges for letters etc., I am thank goodness no longer in the financial position I was in and so I will be fighting these charges, I contacted a solicitor who wanted to charge £200/hour and whilst I don't mind paying for advice, I don't want to end up owing a solicitor thousands if the court decide I have to pay them. I'm struggling on this one and could really do with some advice.

Hi, I was hoping someone would be happy to share the process of getting Bryan Carter Solicitors LLP to consent to my CCJ being set aside. The court date of the CCJ was 06/08/2014 for £546. I have been living abroad outside of the uk since January 2014. I only found out that I had this CCJ when I decided to check my credit report. Got email confirmation from the court only in October 2015. The original debt was for a Vanquais credit card. Lowell Group are the listed claimant on the CCJ. When I contacted them they told me to get in touch with Fredrickson International. And from there I was directed to Bryan Carter. A repayment plan is set up with Bryan Carters for £50 p/month. Which I intend on paying back as take responsibility for the debt. But the CCJ is going to ruin my credit rating and I think because I wasnt in the country at the time I should be able to get set aside. Is that true? I more or less grasp the process of completing the N244 form but I more interested in understanding the best way to get a letter confirming the Consent of the Claimant. I am not sure which one to even contact to ask for it. And would anybody have a template or guidelines to at least attempt making one myself, which I can share later. Also what type of evidence would I need to show? and would i need to appear in person? I was hoping the proof of me not being in the country and the claimants consent would mean not but if someone oculd clarify that would be great, thanks