I need serious advice please! I bought online a mattress for kids but wrong size, so had to return it at my cost to the seller. I used an online platform http://www.uship.com to advertise for the delivery job. I got a driver quote and paid deposit to uship. The driver came to pick up mattress i received him well, very likeable guy. After a few days, he cut off communication and so i had to approach uship. They tried to get in touch but no response. The whole project cost £300. I have texted him,emailed and phoned in vain. Yesterday, after 3 weeks of texting and emailing, i borrowed a phone from a friend and phoned him. He picked it 'unknowingly' then had to say he has been busy will call me later. He didn't and been calling again and text for past week, no response. Now, my dilemma, the guy runs a delivery business, I have all communication trail with him including his bank details and address. Why would he risks this for £300... in addition whom do i report to(never had deal with the police)? I have enough evidence including cctv footage from my house. He has a limited company which he runs the delivery business from and so have his trading address, and his other details like bank accounts and phone numbers... my other worry he might be using different names as the bank he gave to transfer money was under a different name. I appreciate I might probably spend more financially and on time - but I am interested to bring him to justice so that he doesnt do this to others. Advice much appreciated

Hi All. As the title say's is Vanquis Bank (Credit Card) Repayment Option Plan (ROP) the same as a PPI & Can it be reclaimed. Today I've received my SAR. I've typed up all the Charges and ROP's so far but yet to put into the CAG sheet's as I'm unsure which of the following can attempted to be re-claimed & which CAG sheet to use: (Date range of values is 03/08/10 to 04/10/15 - My credit Limit is only 250) 337.45 Billed Finance Charges Trans Type Purchase Interest 15.34 Billed Finance Charges Trans Type Cash Interest 30.42 Billed Finance Charges Trans Type Default Fee Interest 0.96 Billed Finance Charges Trans Type Default Fee Plan Int Free 188 ROP Payment 420 OverLimit Charge 36 Unpaid Item Charge 132 Late Payment Charge -36 Refund Late Payment Charge -108 Refund OverLimit Charge 11.33 Billed Deferred Finance Charges -7.4 Refund ROP -19.04 Refund Billed Finance Charges -0.65 Interest Credit Adjustment (Yep the Over limit are labeled Interest Free - yet I get Default Interest) The letter that is attached to the SAR states that in relation to the CCA - they have said "The Documentation that you appear to be requesting is under Section 77-79 of the Consumer Credit Act 1974, and not the Data Protection Act 1998, please note a statutory fee of £1 is required for this service" - Is this correct? Surely the SAR should cover everything? No statements have been included as "these are charged at £5 per copy as stated in the Terms & Conditions" but they have supplied a list of transactions - is this all I would require for any support of claim? I'm awaiting the calls/transcripts - to see how this was sold and if I did accept it.... Will post these once received.

Hi, Can someone explain the difference between box 1 or box 4? box 1 - admit liability for claim and make written application to pay by instalments and box 4 - admit liability for claim and apply for time to pay under consumer credit act 1974 the paperwork looks very similar? Which would be the best one to submit? I owe the debt, they have proved i owe the debt, i want to pay it off but can't pay in one lot. I would rather not have to attend court if possible, hence why i want to admit and make offer to pay. Just confused re the 2 options for making application to pay in instalments.

As I work closely with Apple, I often come across interesting tidbits... Once o which saved me a LOAD of money... For a semi iPhone contract you'll be looking easily at between £40-£70 a month depending on your needs of voice and data etc... on top of that, your phone is only covered for 6 months by Apple and should be covered by your provider for up to a year. After that, if it dies, you're on. your own. Apple have something called the iPhone Upgrade program. That link will take you directly to it. here's now the money saving works broken down: - £33.45 is what the iPhone upgrade program costs per month.. - You're covered with 24/7 AppleCare+ so even if you send your phone to hell and back, they'll replace it as per AppleCare+ - Every year, you get the latest iPhone - At the end of the year, you give your old iPhone back to get. the new one at no extra cost (e.g. one off charges) So the £34 +£10 for a Data, Text and Voice plan (sim only, which I just saw on switch) you get more bang for your buck as to put it. So on top of saving the £10-20+a month, you'll also be covered by free insurance (no excesses either), free support for your phone (and all local call centres with Apple). The only hitch might be if you have bad credit.. Apple do check up on your financial conduct... Well it's not them, it's actually backed by AIG (some insurance firm)... Anyway, I hope this tip helps out! Ade

Hi Have a long story so will try to shorten it to relevant information. I have debts of about £35k from a business I gave up in 2013. I was a sole trader so they are all personal debts. They are all unsecured loans. On and off I have visits from bailiffs and debt collectors. Some are reasonable, some are rude and abusive and claim to have powers they don't. I have not let any of them into my home, nor do I answer phone calls or letters. I have severe mental health problems and this is not helping. . I have had advice from cab which turned out to be wrong and spoke to Another on the phone who admitted they didn't know the answers. I am at my wits end and not good with forms at all. I receive high rate personal independence payment and esa. My questions are. Will there be a time limit on being chased for these debts? I have no spare money so am I best going bankrupt? Will my benefits be used towards the debt if Igo bankrupt? Thank you for any help you can give

Hey I'm not sure if this is in the right sub-forum, I currently have poor credit rating as i rarely have any direct debits/contracts etc to come out of any account of mine, i also got myself into a bit of trouble with pay day loans when i was a bit younger and more gullible. I recently had a letter come through the post from Vanquis offering me a credit card with 39.9% APR. I've been considering getting a credit card recently and as the chances of the bank issuing me one is low, I wonder if this would be a viable option? Can a credit card help me rebuild my credit rating if i make all payments on time? I've also heard of this Aqua Card with the same APR. Or is this too risky? Thanks in advance of any response.

Hi Cagger's I know I've been very dumb I know it, anyway I bought something from Bright house last year and I was told if I did not have contents insurance I would have to take out the OSC. In fact I was dumb again the same year and bought something else and was told exactly the same thing. It is my intention to pay these items off and no longer use bright house. but I have since learnt that you can cancell the OSC at any time and I have already drafted a letter using a template from this site. However, I am reading conflicting information about getting a refund for the OSC I have already paid. Is it possible to have this refunded and applied to my account to reduce the amount I owe? I was clearly missold these items as I now understand the line about having contents insurance is bull****. Thanks people

Hi, I am currently representing my daughter on the McKenzie friend basis in her claim for unfair dismissal on the grounds of discrimination ( pregancy ) We have followed all the procedures through ACAS and we are currently taking her employer through the Employment Tribunal, which has taking about seven months to get to a Trial which has been listed for next week 4/5th February 2016, this was after a previous hearing. Today i receive a letter from the Tribunal stating that the trial might be postponed on the grounds that despite knowing for a number of months that in any event, the trial would be considered by a panel rather than a single judge because it is a discrimination case, to use this as a reason, and so late in the day does not add up, they would have known months in advance that a panel would need to be assigned, so in using this has delayed even further. The Tribunal are also aware that the Respondents are in abuse of process as they have failed to abide the previous order for them to provide a trial bundle, witness statements and further and better particulars in readiness for the trial next week? Because of this we made an application for the Tribunal to make an unless order for this evidence to be giving as all of it is central to the claim and it had been previously ordered. We have also written to the other side and in anticipating the Tribunal not making the unless order, which seems very reasonable, by stating that we would provide our own trial bundle and giving them seven days to object. Since all of this has happened in the last couple of days, the Tribunal as it would appear are bending over backwards in allowing the previous orders be breached and ignored and they have also giving the Respondents more time to defend a claim that evidently cannot be defended because of the circumstances which led to my daughter being dismissed. Whilst i am not legally qualified as to adjudge it would a appear that (a) she has been denied the right to a fair hearing because her opponents have abused orders which if followed would have allowed the trial to proceed and ( b) the Tribunal could have not only made the request for that evidence to be disclosed, in postponing the trial next week, giving those facts and the excuse of needing a panel, which would have been knowledge as soon as pleadings were made, i feel this is unequal and unfair as the Tribunal are not only allowing orders to be breached, they are also giving the Respondents more time to further breach the orders. My daughter i feel has a very strong case and my theory is that because of the strength of her case, the opponents and the tribunal are doing everything in their power to keep this matter out of court. It is hard enough and most times financially impossible for pregnant woman to establish unfair dismissal claims because they are pregnant, the Tribunal who should protect, if my experiences are anything to go on make it even more difficult by allowing employers the right to ignore orders and as in this case give further encouragement for this to happen again by postponing without reason or justification. Any help would be greatly appreciated by this angry dad:mad2:

Hi all, It's my first post on the forum. A very good friend of mine has got into some difficulty in paying his mortgage. He obviously has been searching the net on what he can do so as not to lose the property if it comes to that. He has been reading up on lease options and although it all seems legit and genuine, has anybody actually done this and come out the other side smiling. All opinions welcome.

Agreement 1 – 05/05/2015 - £1.388 – defaulted at £972.00 – Weekly £49 Agreement 2 – 13/08/2015 - £2,458 – defaulted at £2131.00 – Weekly £60 Agreement 3 – 13/08/2015 - £450 – defaulted at £374 – Weekly £17 Agreement 4 – 01/09/2015 - £429 – defaulted at £357- Weekly £21 Litigation to be commenced against Brighthouse in relation to Accounts held. I was not stranger to the business upon taking the first agreement in May 2015. The first agreement runs smoothly after 3 months I took out further finance, this was available from 8 weeks and each time I visited store to pay I was prompted to purchase take out further agreement, whilst I accept it was ultimately my decision to take out the finance I argue that they have not lent responsibly, until agreement number 2 my weekly payment was £49, in August they agree to more than double this by granting further finance of £2908.00 taking my weekly payments from £49 to £126. Two weeks later when I needed an essential small product further finance of £429 was granted increasing the weekly payment up to £147.00. In the space of 18 days my finance commitments had increased by £98.00 from £49.00 to £147.00. Needless to say this soon became unmanageable and by the third week of September I was unable to make the weekly payment of £147.00, the proof of income from the first agreement was used for the further 3 agreements. This is where my world could have fallen apart if I was not aware of my rights:- Their contact centre phoned me up to 9 times a day, In-house collections The store staff came knocking in a white transit van The unauthorised bailiff refused to move out of my front garden until I proceeded to dial 999 on my mobile. The agent remained parked in his van outside my house for 45 minutes. I was charged £5.50 per an agreement for the privilege of the above, £22.00 extra. Penalty charge I have been charged this £22.00 every week since 20th September. 26th September – letter sent to Brighthouse regarding repayments, made reference to the amount of monthly payments were on average £600 a month which was 50% of my wages and requested they remove all interest from my accounts, remove and stop all charges and agree to a repayment plan on £60 per month. Brighthouse wrote to myself on the 2nd October and agreed to the above repayment of £60 per a month, they stated that as interest is front loaded there would be no further interest charges applied to the account. However in order to accept the above I needed to visit my local store at my earliest convenience. I further contacted Brighthouse requesting bank details to make the monthly payment I also raised question of the interest and further requested it was removed completely and agreement was made for the cash price of the goods. Even though in their own written correspondence on the 2nd October they agreed in principal to a repayment plan I continued to receive weekly letters and charges of £5.50 per a week applied. THE ACCOUNT WAS IN DISPUTE November came and went no correspondence whatsoever from Bright house December came, Equifax credit alerts, Log onto my credit file and low and behold Brighthouse have registered a default on all 4 accounts. Until today I have been in discussions with Brighthouse and I have still not been supplied with bank details!! Brighthouse have registered defaults on accounts that were clearly in dispute, this is a breach of the ICO guidelines on registering defaults with credit reference agencies. Brighthouse claim that as they had issued a response the account was not disputed. I was not contacted before these defaults were registered, Brighthouse claim they were asked not to call or visit me whilst I accept this the only letters received were £5.50 weekly charges, these letters breached their acceptance on the 2nd October as the charges should have been removed and should not have been applied continuously. I know that the insurance has not been removed and has still been charged despite the account defaulting, in their own contract they state the insurance is cancelled once a payment is late. I wish to commence a claim through the county courts for a judge to review this as I am not accepting these defaults for a period of 6 years. Payment has never been refused, Means to pay have never been provided. I will not visit the store of the agent/bailiff who trespassed on my property and refused to move. My questions are:- What section of the Consumer credit act would refer to responsible lending? Would the claim value be the total amount of the outstanding debt? I do not believe adequate affordability checks were conducted, where can I refer to research this further? Can any refer to a claim that has been successful regarding registering defaults on a disputed account? Section 43 http://www.experian.co.uk/www/pages/downloads/compliance/guidance_on_defaults.pdf “If we conclude that there is a genuine, reasonable and unresolved dispute between the borrower and lender, then we are likely to find that personal data have been processed unfairly if a default has been filed. Defaults filed in these circumstances may also be inadequate for the purpose of credit referencing in that they do not provide meaningful information about the creditworthiness of the customer.“

It is nice of the Marine Conservation Society, now, to allow us occasionally to eat North Sea cod, after decades of declining stocks due mainly to grossly incompetent EEC/EC/EU mismanagement and a politicised quota system deigned to ruin more British fishermen than those from Roman Catholic countries, where they tend to eat fish on Fridays. http://www.westernmorningnews.co.uk/WMN-Letters-Religion-place-fish-conservation/story-27895690-detail/story.html

I have a 5 month old iPhone 5S that has gone to Apple for repair - the likelihood is that a replacement will be sent to me as the phone was emitting smoke during its last charge. I understand that if a new item develops a fault within the first 6 months then the fault could be deemed to have been present at point of purchase. Does the Sale of Goods Act provide for a 'Brand New' product in replacement, or will I have to accept one of their refurbished units? Thanks

Another 'has been' who once released a record trying to keep her name known. I notice, like all of them, they spout these stupid words but don't offer an alternative. Crawl back into your hole Church.

Hi All I had a Vanquis Credit Card and every month statements came in with different amounts each month for Repayment Option Plan. i had queried this with them and they say i agreed to it when i recieved their welcome to Vanquis phone call. after disputes and excess charges etc being applied t the account, i asked for the credit agreement and they sent the newer Ts & Cs but not the agreement, later i sent a SAR and received pretty much all the info apart from the call recordings, i pushed for these and only got 2 no other calls and more importantly the welcome phone call was not there. anyway the debt is now with Cabot, but i am looking to claim all charges and the ROP back as well. 1) is this possible 2) how is the best way to do it. many thanks in advance

Hi, I'm posting on behalf of my sister. A few weeks ago she was parked in a supermarket carpark and was just about to open the door to exit. She had the door already ajar, while she gathered her handbag etc, before opening the door any further she looked over her shoulder and a car swung in wide into her space (at speed) and caught the side of her door (see picture attached). The chap at first admitted liability and apologised. Luckily my sister had the common sense to look otherwise she could of easily had her leg crushed. What we thought would be a open and shut case has now been going on for 3 months. My sisters insurance company are next to useless and keep saying she should claim on her policy and claim back later. My sister refused to do this. She said she wanted to claim direct from the third parties insurance. Today she receives an email stating the other party will not admit liability and she is liable for the full repair. We have supplied a number of pictures which clearly shows the point of impact, however the third party are now saying she swung her door open. I believe the pictures shows this is not the case as the damage would be on the inside of the door. We are now thinking about claiming via the small claims, would this be a route to follow?, perhaps this would persuade the other party to admit liability? She has legal cover, this hasn't been any use what so ever so far. Can anyone help with suggestions?

Hi, hoping someone may be able to advise I currently owe Barclaycard credit cards - £22,000 Barclaycard overdraft - £3000 BOS credit card - £600 debt has become difficult to deal with, monthly payments etc. I'm self employed and live in the UK. How receptive are Barclaycard and would I be able to write off some of the debt? I've had the barclaycards for over 10 years. I got PPI back from one of them and used that to pay off some of the debts. I used to earn a lot more money so wasn't really a problem until now. Maybe missed payments only a few times in all that time. thanks in advance

I have been an Orange Pay Monthly Customer, since June 2009. Prior to my initial contract reaching its end, I had the option of taking out a new contract with Orange - 3 months earlier than official end date. Seemed a good incentive to get customers to renew their Contract with them. Nice bit of Marketing! So on the 20 August 2011, I entered into a new 24 month contract/plan with Orange, selected my new shiny phone - negotiated call plan /minutes bundle etc. Signed on the dotted ...........and headed home! I had been reluctant to renew on a 24 month contract, as it is a long time to be tied into a contract and a phone which seems so dated by the end of the term. Anyway, New Contract dated 20 August 2011 - I estimated the end of that contract being same date in 2013. I had been puzzled by the fact that my online Orange Account; stated my eligibility for upgrade was not until November 2013? I visited the Orange/EE Store today and was told. Orange used to offer an upgrade 3 months early - but no longer! However, what I was not made aware of was that the 3month period is added to the new contract, making it a period of 27 months!! I was livid, I think 24 months is bad enough - let alone 27 months. It is not cheap either, £35 per month. I feel conned - even my bills state my current plan as being' Dolphin 35 (24mth) ' and nowhere at all on my monthly bills, does it make any reference to this being subject to 27 months. I feel very strongly about this being a ploy - to trick people into believing (as I did); that the 3 month earlier option - was a means of securing your custom for a further 2 years. What is the point of then having 3 months added to your new contract, thereby prolonging the agony on your new contract! Is there anything I can do about this; as its really 'sheer trickery' and only serves to con loyal customers like myself into thinking that your custom is appreciated and rewarded as such!! Any advice /suggestions would be very much appreciated. Many thanks indeed - your help is greatly anticipated! Thank You Sooooo Much!

Seems we are getting various issues with 1 thing or another at the moment!!!. I got an LG tv from Richer Sounds 3 weeks ago from there clearance lines in what they call "open box" in what could be either ex-display, customer return or manufacturer repaired etc. In fact the staff in store said it was ex-display and they used to use it the same store I bought it from, funny how the store never noticed this problem. It was sold as coming with the full manufacturer 12 month warranty and I was\am intending to get the 5 year cover in the new year. But I've now noticed in the last week that this tv has some major issues with a sound delay. Not a video delay but a sound delay thats become very annoying. This problem does vary but tends to be more notable on playback than actual broadcast. I feel I've tried and confirmed that no other device is causing the problem and that the issue is therefor 100% the tv. I've beed researching the issue for info and a fix during the day and it seems thats it's not possible from what I can tell with only a slight possability that there is a setting in the service menu that might fix it but I can neither access the service menu (only for LG repair people) and it would probably invalidate the warranty to try myself anyway. Google research indicates this is a known problem with a certain number of various models of tv from LG. Research also indicates that when owners contact LG themselfs about the issue that LG try to deny having any knowledge of the issue and other factors must be causing the problem even though a google search of LG tv sound sync\delay problems proves otherwise. This denial of knowing of the problem by LG may make even going via Richer Sounds themselfs a problem if Richer Sounds dont know of the problem as such and try to get information or confirmation from LG themselfs prior to confirming if there is an issue to warrant a repair which on a 47" tv is an on-site cover so thats a concern about being fobbed off by either Richer Sounds, LG or both due to a possible denial of it being a problem by LG. Also assuming Richer Sounds do come out and verify the problem what rights do I have with reguards to a repair or a like for like replacement?. According to Richer Sounds (as said in store at the time of buying the item) if a problem cant be sorted or fixed I'd get a like for like replacement. But this tv was as said in a clearance sale due to being what they call "open box" it was actually very cheap for a 47" tv. Richer Sounds dont stock that model any longer and it seems LG dont make that model any longer either so a repair may well probably not be possible as everything has moved over to LED instead of the non LED back-lit that out tv is. The next nearest like for like in the same screen size would cost near £300 more retail price wise. The nearest price wise is only 40\42" screen size (due to using the newer LED technology) and I'd not call the screen size difference like for like in the slightest. So under these circumstances and assuming it cant be repaired for various reasons what options or rights do I have because I simply cant live with this sound delay problem even though it's a cracking tv otherwise but I will be calling Richer Sounds in the morning and simply wanting to know my rights and options over the issue before hand.

When i took out my Vanquis card i was in full time employment and i do vaguely remember the advisor talking about the repayment option plan so i don't really have an issue with this. What i have an issue with is in July last year i was diagnosed with a chronic illness and as such had to leave my job. Since then i have been on benefits. When i became unemployed, i wrote to vanquis outlining my situation and asking to go on a repayment plan to which they agreed to at around £7 a month. However, i have been paying this regularly by standing order, but i am shocked to log into my online account to find the balance has increased from around £300 to around £400?? They have been regularly adding charges on to my account, even though i have been on a payment plan! surely this is what the 'repayment option plan' is designed for, to stop them doing this when you become unemployed due to a disability?? They are fully aware of my situation and i sent evidence etc. What can i do about this? I have sent a subject access request to them and i plan to reclaim the unfair charges on grounds of hardship and the fact i am on a repayment plan! I wanted to know whether i can claim back any repayment option plan fees because quite simply it has not done what i paid for in the first place. Any advice greatly appreciated Hayley

I have debts totalling in the region of 4,000 approx. I am not currently working, and I do not claim benefits as my husband works full time. The debts are non priority debts, mainly catalogues. I fell behind with the repayments following redundancy, the minimum payments kept increasing and it spiralled. The debts are solely in my name and were accrued before I met my husband. Is bankruptcy the most suitable course of action? I am getting increasingly threatening letters from Westcot et al and I am starting to panic. I can't afford the repayments they are insisting on. ETA: I am in Scotland.

Hi All, Try as I might, I can't find a template for PPI SAR request letter and am not confident in writing my own. I have a 'Repayment Option Plan' with Vanquis that has been active from the beginning and is responsible for minimum payments never being enough to lower the balance. I would like to claim this back if possible but the online banking platform only allows 6 months of statements download. To this end, I need to send a SAR to get all the details. If anyone could help I'd be grateful. TIA DaveB

Hi all, I have a credit card from Vanquis Bank and have had the card for approximately four years. After my divorce I moved about from place to place and only continued to make the minimum payments. My mother passed me a statement recently dated 15/11/11 and the amount was £565.21. Now the original credit limit was £250. On checking my bank statements Im only paying £29.00 per month and with charges etc the amount is still going up. Here is a breakdown of the statement. Direct Debit Payment: £29.00 Cash Interest: 0.02 Purchase Interest: £13.84 Default Charge Interest: £3.29 Overlimit Charge: £12.00 Repayment Option Plan: £7.20 However stupid this may sound, and after a divorce etc I actually completely forgot about this card until my mum gave me this old statement. And as you can see the amount is rising and rising. I have no other paperwork apart from this old statement. Is there anyway I can reclaim the Repayment Option Plan/PPI and or interest charged. So I can attempt to get this paid? Any help or advice on how to do this would be gratefully appreciated. Thanks

On JSA, just finished a sanction but told i can't get crisis loan until after first payment after sanction, won't get money now till next Friday. Electricity will run out today. Do i have any option left, just to top up elec. Also can't get hardship unless your on a sanction. I can get food from food bank, but i will be living in dark at night, which will be a bit of a pain and i won't be able to cook anything.

Advice needed please. I am having difficulty in finding letter template to claim back Vanquis Repayment Option Plan payments. Can anyone give me the correct wording to use. I phoned them to ask for the payment to be refunded and they have written to me to say ROP is not the same as PPI (which I already know) but my point is that I never asked for it in the first place because I would never envisage requesting a payment holiday as I am in full-time employment and even if I was sick I get 6 months full pay. Many thanks