I need to serve a section 8 notice, I'm on the premises & can open the door to allow them to serve the tenants notice. The residence is a private residential address. I'm already staying on the premises, & I can open the door from the inside, & allow the bailiff in to serve notice. Is this legal? The tricky part is, I dont have a tenancy agreement to prove I live on the property, but I can prove I'm the landlord. & the tenants still have a tenancy contract AST on the property. Basically can the tenants claim forced entry, or something, if I allow a bailiff entry to serve notice?

We bought a used car, part exchange on 1st November. We bought a 2006, VW golf, priced at £2695 for £2200 and the rest px for our MG ZR. We were told that there was a one month warranty with it, but were given no paperwork to this effect. Within half an hour of leaving the garage, the emissions light had come on so we immediately took it back. We were informed it was likely to be a filter problem, he made a phone call to a local auto shop so we could collect something to put in the fuel tank and we were advised that driving it in in a high gear between 2 & 3,000 revs for about 8 miles, this would clear it. Having done this, the light didn't go off and they told us to go back to the dealer, which we did on the Monday. We turned up there to be told that it would need to be left for an hour, someone would need to fit a Lambda sensor and to bring it back the following Thursday, which again we did. This time my partner was told that it would have to be left until the Saturday, it would take longer than an hour as the electrics would have to be reset as well. My partner explained this wasn't convenient, he needed the car for work and it was agreed that he would drop it in the following morning (Friday), on the proviso that it would be ready for collection at the end of the day. This meant he could see about getting a work colleague to go with him when he dropped it off, and then take him to collect it at the end of the day. After sitting in morning rush hour traffic for over half an hour to get to the garage (5 miles from his work) they had to turn back as they had to be at work. He informed the dealer, and asked if the mobile engineer/electrician could attend his workplace instead to do the repairs. Later he rang to say the mobile engineer only covered Halifax, and wouldn't come out to my partner's place of work in Brighouse, 5 miles away! Instead it was arranged that he would collect the car from my partner's place of work on the Monday, and return it to him the same day. My partner texted to find out what time he'd be collecting the car, and got a response saying 10-11. He also let the dealer know that the airbag light had also come on reporting an airbag fault on the dashboard. My partner received a phone call asking if he could instead bring the VW back and he would give him a refund. My partner asked why, and was told that the coolant light on the MG had come on, it took a while to start, and when it did, blue smoke was coming out of the back. It was agreed that he would return the MG to my partner at work on the Tuesday morning and bring cash to refund us the car (he obviously couldn't bring his card machine!). We thought that the problem with the MG was likely to be due to him having had it sat on the forecourt since we left it and it being a very cold morning. Monday night my partner enquired to find out what time the MG would be returned and confirm he would pay us in cash. On Tuesday morning my partner received a text reneging on this agreement (contract break?) saying that he wasn't going to drive the MG as it had problems and he didn't want to break down, and that he would transfer the money by card when the VW was returned. However our car is up for sale on their website, and today was reduced in price, with comments saying it is a good drive etc etc. We felt that he was not playing fair, kept changing the goal posts and now implied that there were major faults with our car and so sought to find out what the problem was with the VW to consider our situation for getting the VW fixed, as per the original agreement. My partner took the VW to a VW dealer to get an exact breakdown on the faults. What he was saying was the fault was incorrect; there is no problem with the filter or the sensor. They diagnosed problems with EGR Valve and Hose, Glow Lamps and airbag the tracking needs sorting and two of the tyres are borderline illegal, the other two at 3%. We had looked on the MOT at time of purchase it having only been done in September and nothing was stated about the wheels needing changing. So assume he has changed in the meantime and we won't really have a claim there, we should have noticed it before purchase. We have been told that we're looking at over £1k to get it fixed with them (without the price of the tyres), so have booked it into an independent garage, where the hourly rate isn't the £100ph as per the VW garage, but until they have checked out the full extent, cannot advise on the labour cost. They have confirmed the parts will be the same price as will be VW parts. We informed the dealer of this, explaining it had to be booked in urgently for safety and the cost of doing so, and invited him to come to an agreement for paying the repairs or part of. He has straight out refused this, saying that it's a good car and doesn't need that much work doing on it(!!). Yet we have a report saying that it does. He simply keeps saying about a refund, no further mention of our MG. He has previously been given the chance to repair it, but didn't sort it. We explained that the parts are on now order and, again asked how much he was prepared to pay, as our car was still under warranty but he hadn't fixed it as previously arranged. How do we stand at getting him to pay at least some of the bill through small claims, if he won't settle when the work is done? Further, their advert explicitly stated that it had a full service history, which he also told us, but going through the log book when we got home it only has one until 2012. I understand a lot of people are probably thinking we should get our money back and walk away, but how do we know that they have not been the cause of the problems with our car, as it had been fine up until we sold it, and had had a 21 point service a few weeks prior. Also, it's about the principle that he'll put it back on the forecourt for someone else to go through the same thing with, as is likely to happen with the MG if he's saying it's broken, but is still advertising it for sale. Looking on a reviews page, seems that we've not been the only ones to be given a shoddy response when it comes to fixing faults and someone else is also reporting him to Trading Standards. Help!!!

Wonga... Should I contact them.... Took various loans over 2010/11 All loans were repaid but quickly built up resulting in me been unable to repay the last loan... This was defaulted in May 2011 by Wonga... Balance £1734 this was updated March 2014 balance still the same. This last loan was for £800 the rest would be the interest added over time..... During the period I was under a DMP with then named cccs. Owing little over 23k to different banks/cc/loans. Now repaying debts under a self debt management... Hearing all the news about Wonga I was wondering whether it was worth now contacting Wonga to ask whether this debt was written off or whether the amount is still owed. Contacting them wont make much difference to my credit file as already defaults on the file, although some do drop off shortly under the 6 year limit. What's peoples thoughts on me contacting Wonga to make enquires on this loan ? Is it worth writing to them to see what's what.......

Well.... I tweet to Three about #GoldNumber... I get followed by Lovetts Solicitors... DAFUQ? [ATTACH=CONFIG]60148[/ATTACH]

The council has recently put double yellow lines down near me. Do they need a TRO to be able to enforce them, by issuing a parking ticket? If so, how do I find out if a TRO is in place? Is there somewhere on the internet where I can search for them? Thanks

Hi, Apologies as its my first Post. I wrote to BOS regarding a PPI claim on a mortage from them dating back to 1995, the only info on my mortgage account No was found on a letter to them just before I transferred it to Standard Life in 1999. I had mentioned the address of the "Mortgaged" property and the number in me enquiry. They responded with a letter saying it was an unverified Account No and wanted more Info. I called them up and had the runaround, but was eventually told by a chap to contact Section 77, Completion Center, Premier House, Chester and they would carryout a search for a £1? Does this place exit? And what else can I give to BOS? Many Thanks

I am receiving nuisance sales calls from 02 on my mobile phone number. I have been rung up repeatedly every day sometimes twice a day and its getting a bit beyond the joke. Each time they ring I tell them where to go politely. I received yet another sales call from them again 5 minutes ago. Where can I go to stop nuisance calls on my mobile number?

Hi guys. Ok so I'm going to try my best to explain it all date by date below. I had some debt issues awhile ago and was put on an IVA with Payplan. November 2008, I started the IVA with PayPlan November 2013, I completed the IVA and was given the completion certificate which I have here with me 10th September 2015, I was informed by AI scheme limited (by letter) that I may have a PPI claim 21st September 2015, I received letter from Barclaycard saying my claim was sucessful and that they has sent a cheque for £3601.61 to Payplan 25th September, I called Barclaycard requesting the cheque be stopped as I haven't had any dealings with Payplan since my completion in November 2013 but was told that I had to contact Payplan. 25th September, I called Payplan but was told they are allowed to keep the money and I am only entitled to the intrest (8%). After explaining that the completion certificate says that they are only entitled to any 'pending PPI claims post closure) I was told that I am still only entitle to the 8%. The lady on the phone said "Oh we are allowed to keep it for up to 6 years after the start of your IVA" ..... However it's now been over 7 years. Her supervisor still said "You can have 8%" I did try to log on to the PayPlan site to look at any old documents but as the IVA ended in 2013 it won't let me in. Do I have a legal standing on this? I had no idea any PPI was due to be until a couple of weeks ago when AI scheme said I might have. It's been way over the 6 years since I started my IVA and I have the completion certificate to prove I finished up in Nov 2013. Any help you guys could give me would be very much appreciated. I heard about Green VS Wright in March 2015 that may be of help? Thanks.

Hi all could do with some advise please, I am being harassed by Bristow & Sutor, they have 3 liability orders for outstanding council tax ranging from £29 to current year £910. I have ignored all contact from Bristow & Sutor, but I did make an arrangement with the council last month. they passed the details of this arrangement to Bristow & Sutor, who emailed me acknowledging this arrangement. I have kept to the arrangement and make payments due as arranged, but I paid directly onto councils online payments. now I am getting emails and letters from Bristow & sutor, telling me that if I do not pay them direct, they will continue their enforcement action. any advise please? Mick

"We've added the right for us to upgrade a Bank Account to either a HSBC Premier Bank Account or an HSBC Advance Bank Account if you meet the eligibility criteria. " HSBC sent me their latest - we are changing your terms and conditions mess and I spotted that they are stating that they now claim the right to change you bank account type (without your request or acceptance) if you meet the requirements for some other bank account type. It seems they want to start moving people from simple free bank accounts to what could be charged accounts (premier etc) if you happen to meet the requirements set to allow that account. Now you could meet those requirements for a few months, they change you too that account, then your circumstances change (eg less than the minimum required transfer in each month) and you will then be in a monthly charge account without ever agreeing or requesting that change. In the details they do say that they MAY notify you if they have your correct contact information, but would appear to be attempting to avoid any obligation to have confirmed you have been notified, let alone agree and they require you to ask not to have your account changed - difficult if you don't get the notification or they choose not to let you know.. It seems rather insideus at the moment, and what is the next change to T&C building on getting away with this? " Bank Account terms and conditions 1. We may give you thirty days' notice that you meet the eligibility criteria for, and we're going to convert your account to either our HSBC Premier Bank Account or HSBC Advance Bank Account. You can ask us not to convert your account if you want to keep your existing one. 2. If your Bank Account is closed or converted to another account type, we'll remove all the Bank Account benefits on the date of closure. "

Experienced motorists are being wrongly stripped of their entitlements, then find themselves unable to prove they ever passed their tests because the agency has deleted its records We've had these complaints on here. I've posted this article in full in case it disappears from the newspaper: For the past four months Shane Rae has been living under the threat of having his driving licence taken away – yet he has committed no offence and his 30-year driving record is unblemished. He has even been forced to retake his driving test and take on a solicitor to fight his cause. And the reason for all this? Rae, 45, moved house and sent his licence to the DVLA to amend his address. It was returned minus his entitlement to ride a motorcycle – and when he complained he was warned that his car licence would be revoked as well because the government agency had no record of his qualification to ride a motorbike or drive a car. Rae is one of hundreds of motorists who have found themselves stranded after sending their licence to the DVLA to have it amended, only to be confronted with a demand that they provide proof that they passed their test, even if they took it decades ago. He says the whole experience has left him feeling like a character in a Kafka novel – and adds that even the clout of the prime minister, who happens to be his local MP, hasn’t succeeded in getting the department to see sense. The DVLA is already in the doghouse with many motorists after a new online system that affects people hiring a car was plagued by technical hitches earlier this month, and the emergence of this latest problem will only add to the pressure on the agency. Rae told Guardian Money that he exchanged his Canadian licence for a full UK one in 2000 after submitting all the required evidence from the Canadian authorities, “and since then I haven’t incurred so much as a parking ticket”. He adds: “When I complained about the missing motorcycle entitlement the DVLA told me it destroys supporting documentation for applications after 10 years and that it could therefore find no proof that I was ever entitled to drive, despite in a separate letter confirming that it had scrutinised my documents when amending my licence in 2004. “I was told I would have to request evidence of my entitlements from the Canadian authorities – yet in the same breath the DVLA admits that Canadian driving records are destroyed if they remain dormant for more than 10 years.” It turns out that Rae is far from alone. Paul Chapman, who runs a motorcycle training school, was one of the first to realise something was amiss after receiving dozens of calls from motorcyclists who’d had their entitlements removed after updating their licence. “I’ve had couriers and HGV drivers come to me who have lost their jobs because of this, and 50-year-old bikers who have had a licence for 20 years until they applied to update it,” he says. In its response to a freedom of information request submitted by Chapman, the DVLA insists it retains all driving entitlements on computer and microfiche, and destroys only the licence applications after a 10-year period. The trouble is, it is the also-destroyed supporting documents provided alongside these applications that the DVLA insists on viewing when querying the validity of long-held licences – and the onus is on the motorist to provide them. Chapman says: “I have had to create cheap, quick ways for these guys to take their test again in order to apply for a new licence, but you’re still looking at around £600. The DVLA’s attitude is that it never makes mistakes, and that if a driving entitlement drops off your licence it is up to you to prove that you ever took a test, when it is its job to store all that information. It’s almost worth getting a speeding fine every three years so that the police have a record of your licence.” In the case of Rae, who works in publishing and lives in Oxfordshire, he has spent well in excess of £1,000 on retests and legal fees. His solicitor persuaded the DVLA to delay revoking his licence, which could have jeopardised his job, until he could retake his test. “The DVLA was in effect saying it was happy for me to carry on driving, even though it insists I don’t have a valid licence,” he says. However, he then discovered that possessing a full licence disqualified him from taking a driving test. “The DVLA confirmed there is no way for me to take the test again unless it takes away my licence, so it has revoked it again for its computer system to then allow me to book a new test to replace the documents it admits it has seen but since destroyed,” he says. Rae adds that David Cameron has written to the agency on his behalf three times, “which as far as his office is concerned is unprecedented”. There are fears the problems will worsen now the paper part of the licence has been abolished, along with tax discs, leaving motorists at the mercy of the agency’s digital records. The DVLA has an online service that allows people to view their driving record – for example, vehicles they can drive and any penalty points and disqualifications – but this does not include historical information about previous entitlements, so it will be no use to those who are suddenly required to produce evidence of decades-old qualifications in order to keep their licence. Another driver caught up in this is Steve Sylvester, 51, who lives in Derby and held an HGV licence and a motorcycle entitlement until he sent his paper licence to be swapped for a photocard in April. He was reissued with a provisional car licence. It is almost worth getting a speeding fine every three years so that the police have a record of your licence “I have held a full licence for 25 years and, as I worked as a security driver for Barclays, it had to be vetted by the police, who found no problem with it,” he says. “I sent the DVLA the make and model of the car I took my test in, as well as the name of the instructor and the driving school, but they demanded the test certificate that I sent them 35 years ago. My job was on the line because I need to be able to drive, so I had to pay £200 to take my driving test again and apply for a new licence.” Meanwhile, it was a speeding fine that alerted Dave Knox, a 64-year-old teacher from Merseyside, to the fact his motorcycle entitlement had been omitted from a replacement licence. “I passed my test in 1972, but had to apply for a replacement licence when I lost the original on holiday,” he says. “A few years later I got pulled for speeding and the police confiscated my bike because it turned out the replacement licence didn’t include my motorcycle entitlement. When I complained to the DVLA, it told me I’d never passed my test.” Knox received a court summons for riding a motorbike while unqualified, but his driving record provided by the DVLA was so full of errors – “it even suggested I’d had three licence changes in one day, which is an impossibility” – that the court ruled in his favour and his motorcycle entitlement was restored. “I got no compensation for being unable to ride my bike to work for six months, or for the £150 I had to spend insuring someone else to ride it from the police compound,” he says. The DVLA told Money that it cannot issue licences in “good faith” alone. It declines to discuss individual circumstances, but says that in Rae’s case information came to light from Canada that cast doubt on his entitlement to drive. This information, according to the DVLA’s letters to Rae, is the fact that Canadian driving records are destroyed after 10 years of dormancy, so it can’t re-examine his certificate which allowed it to issue his UK licence in the first place. The agency says it never removes valid entitlements and that rare errors are quickly corrected by checking its computer records. In 2010 it estimated that 2% of drivers’ records contained errors that were the fault of the DVLA, and between 2008 and 2010 it received 285 complaints that entitlements had gone missing. These figures are the most recent it has published. The problem for motorists who reach an impasse with the agency’s customer services is that it is difficult to lodge a complaint with an independent third party. The DVLA can refer unresolved complaints to the Department for Transport’s independent complaints assessor (ICA), but motorists can’t apply for mediation directly, and the ICA only dealt with 93 DVLA complaints between 2013 and 2014. The Parliamentary and Health Service Ombudsman also looks at complaints, but unhappy drivers have to ask their MP to contact the service on their behalf – which doubtless explains why the ombudsman has only taken on 14 complaints about the DVLA in the past 12 months. That is up from two in 2013, and a solitary investigation in 2012. The ombudsman itself is dissatisfied with the system. “It’s very difficult for consumers to complain,” a spokesperson says. “We receive a lot of inquiries from people unhappy with their experience with the DVLA, but the vast majority haven’t approached us via their MP, so we have to redirect them, which whittles the numbers down a lot. We’ve been campaigning for years to make the process easier, and welcome the government’s proposals for a single public service ombudsman.”

Hi could anyone help please. I have won a CCJ against the BOS. I applied for a money provisions order to register this in Scotland, the CCMCC have cocked this up and just sent a normal Judgement to me but took my £50 for the Form 111 anyway. This is being sorted today so I should have the money provisions Cert on the way. My question is; do I really need to transfer this to Scotland if the BOS have branches in England, in fact do they have branches in England? Google'ing this is unclear as they seem to be connected to other Banks in England? If so then fair enough, but I wondered. Many thanks in anticipation.

Hi there Quick question, one which would be helpful for many others as well. 1. Can someone have a friend with them when they go to the Job center to sign on? EG to act as a witness? 2. What part of the regulations allow this? I am pretty sure the answer is yes, just need the regs to back me up when I go with my friend next. Today he opened his claim and I was refused permission to go up with him.

Garage has sent a letter to register my vehicle for unpaid bill. This company agreed to do work for cash in hand, some monies paid have not been credited and he has now upped the bill and now included VAT. As far as I am concerned they are in breach of contract. Are they able to take over my vehicle? It is parked in a private yard, not on their premises. They stated at the beginning that if I let them do work when needed in between jobs then they would do it cheaper. This has NOT been the case and now expecting me to pay an inflated bill. I have receipts for one large payment but nothing for the others as he would not give me one. Where do I stand on this legally? AS they have been trading without VAT and now issued a bill for work where some of it was already paid for without a receipt by cash in hand.

Hi, I'd really appreciate some advice on how best to tackle Ladder Loans. In summary I borrowed £2000, have missed a few payments but even so have paid them more than £4000. I'd now like to know whether a full and final settlement is the best option, or whether I can fight this and pay nothing more The details are as follows: 1 - Ladder Loans is part of Inventive Finance Ltd, which I've found out runs a network of payday lenders. I was offered £2000 in July 2013 on an 18 month repayment schedule 2 - The APR per annum is an eye watering 299%, meaning that according to the CCA (which I now have), I agreed to pay them £5031.36 for that original £2000! 3 - I made 15 payments of £279.82 on time, so I've already paid them £4192.80 4 - Due to further financial difficulties (problems with my business), I missed payments no 16 (end Nov) 17 (end Dec) and what would have been final payment no 18 (end Jan). They've added £12 penalty charges for each of the missed payments 6 - They've never written to me about these missed payments or about adding penalty charges, I suspect they have been trying to call my mobile though. I asked for the CCA about 10 days ago and it arrived on Friday. I'm now thinking of doing one of two things. 1 - Offering them a final settlement on the £862.56 they say I still owe, to get them off my back Or: 2 - Making a formal complaint and seeing if I can eventually take it to the FOS. I'd base this on them adding on penalty charges but not writing to me as well as the fact that I already paid them more than double. Am I correct in thinking that payday lenders can't now charge more than 100% of the original loan? Or did I read that wrong? Can a hugely inflated interest rate be challenged? I'd really appreciate which is the best of the two routes to go down. Do I have a leg to stand via the complaints route, or would I be best just offering maybe £300 (so a third of what's still owed)

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Hello! I've started the petition "Rt Hon David Cameron MP: Rectify a major injustice" and need your help to get it off the ground. Will you take 30 seconds to sign it right now? Here's the link: http://www.change.org/p/rt-hon-david-cameron-mp-rectify-a-major-injustice Here's why it's important: In 2009 I made a complaint about the solicitor engaged to handle my late father’s estate. The solicitor quoted 30 hours to do the work but eventually charged the estate 131.9 hours to do the work. Should the public be ripped off by those in a position of trust who are supposed to act in our best interests? I made a complaint to the solicitor and he declined to respond to my complaint because I was only a beneficiary of the estate and not his firm’s client. My complaint was escalated to the Law Society after those acting on its behalf assured me that I would not be liable for any costs. The complaint has ended up costing me over £108k most of which has gone to the solicitor I complained about. My wife and I nearly lost our house and were almost made homeless because of the ruthless way in which this solicitor sought to enforce the cost order he obtained against me. My story was covered on BBC North West tonight on 24 March 2014 and again on BBC Rip of Britain in Series 6 Episode 18 on 8 October 2014. The matter was brought to the Government’s attention at Justice Questions on 12 November 2013 and again at Prime Minister’s Questions on 9 April 2014 by my local MP Mr Simon Danczuk. My MP described the solicitor as “The Solicitor from Hell” and the SRA described his behaviour as “Morally Reprehensible”. Clearly the system for regulating solicitors is not fit for purpose and the Legal Profession is unwilling or unable to deal with such corrupt and fraudulent practices. How can a profession whose members are supposed to be trusted to the ends of the earth act with such a complete lack of integrity? This matter has been taken up with the Prime Minister who promised that his Justice Minister would look into the remedies available to me. The Minister says the Law Society is responsible yet solicitors acting for it say I have no claim against it. Clearly in UK law I do not have any remedy to reclaim the losses suffered from making such a complaint. I call on the Prime Minister and his Government to act with integrity in this matter and rectify the injustice which I have suffered. It cannot be fair and reasonable that someone making a genuine complaint must bear such a heavy cost for investigating it. You can sign my petition on the link above. Please copy my e-mail to those who you think might support it. Thanks! Paul Cowdrey

I very foolishly took out log book loan with Mobile Money and very evident that they are not type of company to help people. I have learnt that they break alot of CCTA code of practice.. and as there is no proper legislation there is not much help out there for when my car was repossed. I have followed every procedure got bona fide debt advisor that log book loan company should recognise and put an account on hold mobile money would not accept. I applied for time order and day after documents sent to them they went to another county were car was hidden and took it without any keys on back of a car with hand brake on etc. The collector wasn't sia regulated just another to add to long list of mobile money being above the law. Well I have court date and looking into going to media this week. These companies are just doing there own thing and need stopping. Luckily I have backing of citizens advice who are legal advocating on my behalf would love to hear if anyone else has concerns or took mobile money to court. I am hoping to lobby my local mp for all log book loan companies to apply to court before they repossession as ccta are being ignored. Any advice much appreciated! !

Dear fellow members, Some advice on the following saga, which has been going on for years, would be appreciated. I'll try and keep the explanation as short as possible. In 2011, I deposited a cheque into my NW account. A few days later, it appeared to have cleared because I had available funds showing in my account, so I withdrew some money. The day after I withdrew money, the cheque bounced, which left my account significantly over my overdraft limit. I speak with Collections and suggest that we speak again in a month's time, by which time, I'd have done some figures and worked out how much I can pay per month, to reduce the balance. They were fine with this. 30 days later, they hadn't called me. 32 days later (only 2 days after the 'we'll have a conversation in a month's time date), I receive a 'Dear John, we have closed your accounts and give you 60 days to repay the balance...' letter. I call NW, to discuss the matter and nobody can discuss the matter with me, because the accounts are now 'closed'. I tried speaking with Customer Services, 2x Collections Departments, Customer Complaints, a Previous NW Business Manager, Business Customer Services etc. Absolutely nobody could discuss the matter with me, despite me trying in vain to discuss it with them. A couple of people gave me a phone number to call, which I did. It was an unmanned voicemail facility and I left a few messages, but obviously, nobody called me back. - I could not believe how hard I was trying to speak with somebody about me paying them money and how much they obviously didn't want it - phenomenal, I couldn't have tried any harder! After banging my head against the brick wall for a few weeks and getting nowhere, I sent a letter (recorded delivery) directly to the then CEO, Stephen Hester. In short, I explained my accounts had been closed, I was trying in vain to set up a plan for repayment, but nobody would speak to me and that I knew this would start having a serious impact on my credit history - so please get your skates on, find some common sense and speak to me so I can pay you! I then received a letter from someone in the CEO's office and opened conversation with him regarding the situation, via letters and phone calls (full conversation notes takes). He fully understood the situation, was sympathetic and seemed to be doing something about the situation. The fact that I had found his direct phone number and was regularly calling him seemed to help. He then passed me onto another internal department, that could deal with a repayment plan and rectify and harm done to my credit history. I spoke to the guy there, who seemed a bit vague because he had to constantly liaise with his boss on the matters. Eventually, I found the direct dial for his boss and also their mobile number and I was in constant communication with them. Now I was in communication with 2 different people in the RBS HQ offices (who seemed contactable, had common sense and enough clout to get things done)and things seemed to be going swimmingly well. I agreed to pay back the balance over 3 months and they agreed to rectify my credit history (because it was their negligence that had effected it). I asked them to put it in writing that they would rectify my credit history, because I didn't want to keep my end of the deal, only for them to renege on theirs'. One of them thought they should check with their legal department, before writing me email confirmation of this. Guess what, their legal department tells them they couldn't do it. I then receive a letter from them saying, you have to pay everything back and we won't rectify your credit history and that this is a ‘Final Response’ from them (in complete contradiction to what we had been discussing for months) Maybe I shouldn't have asked them for it in writing, who knows. What I do know, is that while the whole saga had been going on, my credit history had been left on tatters (shows 2x defaults). Some advice on the best way forward would be appreciated. To pre-empt some questions; - They have not sent me any default notices - The amount of the defaults on my credit files are wrong - Having tallied up all bank charges I have had from them since I opened the accounts + interest, it comes to 2-3 times the amount owed to them - They have not been able to send me any T's&C's, overdraft agreements etc, following my SOR request - My credit history deteriated and went to defaults, whilst they were being negligent in not speaking with me and later on whilst people in HQ were speaking with me and were assuring me that they were dealing with things - I went over the OD limit, purely because they let me draw on a cheque that was showing as cleared I really look forward to some good guidance on the best way forward here and thanks in advance

A car somebody sold a few months ago has been receiving invoices from these people. The amount started from £100 then went upto £140 and then a few months later went down to £70. I attach the correspondance and hope it helps someone. As of yet court is being threatened. Before anybody asks. Commercial collection services LTD are running from the same address as the now defunct CCS ENFORCEMENT SERVICES which was a bailiff company taken over by rundell and co when they went pear shaped a few years ago.

quick question. bailiffs clamp my friends car over unpaid council ticket. he sat in the car and bailiff called the police. informed him he was committing the offence of obstructing an enforcement officer and will be arrested. officers radioed control who said to go ahead and arrest them can they do this

The Citizens Advice Bureau (CAB) usually advises well, but they do make some really silly errors, this is just one of them, almost like opening your mouth without thinking. In there advice on buying a used cars, they say: I don't think any motorist would class a worn out clutch as a minor fault. Draft it up and get it proofread before publication CAB.

This is my first post. I've had mental health problems for 40 years since I was 11. They have sabotaged my life. In May my GP finally accepted that I have a rare sleep disorder and prescribed additional medication. I've been back at work since June although I am still learning to cope with my condition and I've additional help to come this year in the form of psycotherapy. Lovely In 2007 I put a company I ran into voluntary liquidation. I had signed some personal guarantees with two companies. They went to court and have Restrictions on the jointly owned home. I ran up some credit card debts at the same time (in my now ex partners name). I am reasonably sure I can remove them this year with full and final settlements. The debts were Company 1 - £43K (interest now added) Company 2 - £36K (interest now added) I wasn't able to attend court to defend the charging orders. Far to ill. Only really understood how ill I have been in the last month. The family home is now going through contracts to sell. My solicitior asked for redemption statements from the two companies. I understand that his proactive approach may well have not been in my best interests. I have asked him to inform me how that can be mitigated. I want to understand what options I have to deal with these two debts please. My equity in the home is £25K so I will not be able to pay off either creditor in full and I have a seven year old daughter to think of. And before anyone berates me for running up credit card debts in my (ex) partners name I am ashamed of that and I am sorting that out from my own pocket. I've not been in the best place to make good decisions due to depression and sleep deprivation. Thank you in advance for any help / advice. Nuttymut

Darrens brother, I took a car out for Darren since he couldn't get the finance to get it himself from car craft, everything went okay all the paper work was done then after a month the finance company got in contact with me demanding full payment for the car because I had broke the contract due to taking out finance for a 3rd party which I wasn't aware of while buying the car carcraft had told me they had done this loads of times with other customers and that it was perfectly fine.

As I mentioned in a previous post, we have a lot of old debts that I am now trying to deal with and resolve, although we have no spare money to pay. In 2007 my husband defaulted on a credit card with First Direct with an outstanding balance of around £6,500 (nothing showing on his credit file that I can find). We talked to CCCS who couldn’t help us as we had less money coming in than was necessary for essential expenses. I wrote to First Direct informing them of this. A few months later we started getting letters from DG Solicitors and in October 2008 I wrote to them offering £5 a month. I have nothing else on file for them and as far as I can see the £5 a month offer was never accepted although we have moved several times since then. A few months ago we started getting letters from MKDP and MK Rapid Recoveries demanding repayment of this debt. We have been paying them a monthly installment of £10 for a different debt so assume they got our current address from that. They also sent us a statement dated 30th Nov 2014 giving the outstanding balance still at £6,500 and saying the last statement date was 30/11/2013 although I have no other statements from them. My question is what should be our next move? Is it likely that they are about to issue a default or even start court action after all this time? Is this statute barred? Should we contact them at all or just hope that they give up and go away? Thanks in advance for any help!