Wondering if one of the experienced users on here can help here with this one? Yesterday afternoon I found my car clamped by Marstons Bailiffs - no paperwork whatsoever only a scribble and phone number so I phoned them to find out that apparently I failed to pay the congestion charge in November last year but know nothing about it as they send all paperwork to a previous address even though I updated my address with the DVLA in 2017!!! Then the bailiff stopped answering any of calls when I tried to ask her about PCN information etc and the TEC phonelines were not being answered yesterday so in a panic I phoned TfL got my PCN details, filled out the PE2/PE3 forms and headed into central London to the local magistrates court to get it signed for £25 (yes I now realise I could have gone to county court and got it for free but never mind)- was in major panic as bailiff was threatening to tow car in 2 hours- filed everything with TEC at yesterday and just had confirmation of filing today. So now TfL have it the question is how long will it take to halt recovery and will they remove the clamp? Also who can I phone for advice? TfL say they have not received the filing from tec yet and the bailiffs wont answer my calls. I need the car as I am the named driver for my disabled father who needs to be taken back and forth to hospital. This has caused me an undue amount of distress and i genuinely dont feel i have done anything wrong - had I known id have to pay a congestion charge on the day in question i would have done. as it happens i have no recollection of that day whatsoever was it was a year ago and i have no access to any paperwork (bailiff has refused to give me anything ive asked for).

It started with a letter from Restons the other day saying they wanted payment of under £1000 for a debt which I believe to be statue barred. The letter said if I didn't pay I would get taken to court for a CCJ and would request monthly payments. If the court does not allow this, the full amount is required forthwith including any accruing interest, fees and costs. If I don't pay by a set date their client may be prepared to accept installments and return the expenditure and income form by the previously mentioned date. They also draw my attention to the fact the client says I can clear the debt at a specially discounted settlement figure and if interested I should call them. Can they offer the discount rate because they purchased it cheap in the same letter as threatening a CCJ? As I said I believe this to be statute barred. I was a full time carer for my mother for over 10 years and several existing student debts fell by the wayside. Something made me sign up to the 30 day free trial with Equifax just now. I see Cabot have stuck a default on my account and say it defaulted in 2010 - I thought it was longer ago than that. It know what it was for - a credit card. Stopped caring and moved in 2012 and became very ill, which I am still suffering now. It seems this big default Cabot put on my credit file in 2011 was defaulted in 2010. I thought this was further back that this. I have had about 4 DCA contact me re this debt since moving here, none of which have even mentioned getting a CCJ which makes me wonder if this IS statute barred? Advice on this would be useful please. Secondly, whilst searching my file I find a CCJ issued in 2013 at my old address by I do not know who????? Advice on this is very much appreciated as I believe it would definately be statute barred. The previous Restons issue was the latest issued credit card I had at that address. Once I could deal with these things but since becoming ill I really need some advice on this please. As it stands I have one CCJ lasting til 2019 at a previous address and one possibly about to be issued. I don't work due to my illness, so they are barking up the wrong tree here. Just as an after thought reading about Cabot - The letter states it is Cabot Financial (UK) Limited v Me and the letter opens: "We are instructed by our client Cabot Financial (Marlin) Limited, appointed by your creditor Cabot Financial (UK) Limited..." The credit card was not with Cabot originally, obviously, but I now see that Cabot have changed their name on my Equifax file to: Credit Card from Cabot Financial (Europe) Ltd (I) Get me up to speed - is this correct or is something going on here that is not quite right?

Hello. I just need a bit of advice please. For the last three years I live in a council house . My neighbour is taking drugs, dealing drugs, has complaints from the previous tenant for noise and threats, they robed the house through the loft when the previous tenant was in hospital etc. The police knows about it and admit it but as they put it there is not enough evidence therefore can do nothing. My issue is that the council at the time they moved my family in this house knew about the drugs and the theft (they had reports and complaints from the previous owner) but they didn't let us know about it. They were perfectly happy to move a family with children next to a drug house and a terrible and abusive neighbour . What I want to ask is, was the council somehow responsible to solve the issue before we move in or at least let us know so we can decide if we wanted to move or not to this house? I have done reports for noise, drugs, people arguing and smashing thinks etc but they don't seem to do much, just reports and more reports and visits but still nothing has changed

I got divorced 5 years ago and moved out of the marital home. My ex-wife has finally got round to clearing out a store room and found some of my old stuff in there. In a box I found the credit agreement and Repayment Protection policy document that I took out in 1997. I've had issues with Lloyds a few years ago and SAR'd them but none of this appeared within the returned paperwork. I have the date I took out the loan, the value of the PPI, the monthly figures etc and I know I was told I had to have PPI for the loan as I wasn't long out of University and had just started my first job. I have tried to download the single premium spreadsheet from here but it just saves as attachment.php so won't work. I also can't find any letter template? If anyone has a copy of the spreadsheet working and/or a template letter please let me know. Do I need anything else to kick a claim off? Thanks in advance for any help provided.

One day, the wife comes home with a spectacular diamond ring. "Where did you get that ring?" her husband asks. "Well, she replies, "My boss and I played the lotto and we won, so I bought it with my share of the winnings." A week later, his wife comes home with a long shiny fur coat. Where did you get that coat?" her husband asks. She replies "My boss and I played the lotto and we won again, so I bought it with my share of the winnings." Another week later, his wife comes home, driving a flaming red Ferrari, You guessed it: Her share of the lotto winnings... That night, the wife asks her husband to run her a nice warm bath while she gets undressed. When she enters the bathroom, she finds that there is barely enough water in the bath to cover the bath plug. "What's this?" she asks her husband. "Well," he replies, "We don't want to get your lotto ticket wet, do we?"