EBAY SCAM - DEALER HIJACK - Westmoreland Cars - 2011 BMW X1 xDrive 20d - YH11AVC - 01

PLEASE BE #SCAMAWARE - READ THIS -->

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If you have found this post it is likely you have been looking at an advert to purchase an item like this. Please check the link for the listing number as although this SPECIFIC LISTING has been reported as a potential scam others may be genuine.



If you have found this post and it has helped prevent you becoming a victim of a scam or has even made you investigate further when researching potential purchases online - please register on the site and let us know.



If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.



________________________________________

http://ift.tt/1zo1Hdp







Hacked / Hijacked eBay Motors (Car Dealer) Account :-




westmorelandcarsltd (2 )




*









Correct Contact Details











Corrupted / Changed Tel Numbers on eBay listing











*

Posted on eBay by cyber-criminals on 31-JAN-15 at 18:06

Reported to eBay by Buster Jack on 01-FEB-15 at 06:40







1 of 31 scam listings under the same hacked account

Total eBay Vehicle Scams after 31 days of January 2015 : 31

Total to date since April 2013 : 16,744

VALUE OF BUSTED SCAMS SINCE APRIL 2013 : c. £83.7 million / US$126 million





Daily average over 655 days: £128,000 / US$192,000

(as of 01-FEB-15)






















*

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EBAY SCAM - DEALER HIJACK - Westmoreland Cars - 2011 BMW X1 xDrive 20d - YH11AVC - 01

Is this mis-selling of a mortgage?

I have already posted regarding the repossession hearing for my property, which I am defending but having read somewhere else on this forum something about mis-selling, I am now wondering if I have another avenue to go down?



I was involved in an investment which my bank told me they`d checked out and it was sound, but which turned out to be a scam! They actively encouraged me to run up a large overdraft by persuading me to pay other investors, (friends and Family), returns they thought they had due, before the returns on the investment actually arrived...I now know they did this just to ensure I deposited the considerable funds solely with their bank. Despite telling me they had checked this investment out, as part of the banks Disclosure, I can now see there were a great deal of concerns about the validity and genuineness of the investment by people at the bank who were making alsorts of enquiries but drawing blanks, however, they never passed any of these concerns onto me!



At the time, my sole income was a Dependants Pension from my Late Partner of £800.00 per month, yet they allowed me to run up an overdraft of over £30,000.00! When it was found the investment was a scam, the banks attitude changed and I was getting crippled with the charges on the overdraft every month and it was taking almost all of my pension to make the payments. The then Bank Manager told me that if I allowed the bank to secure the overdraft on my property, I then wouldn`t have to make any payments until such time as I sold my property, I was reticent to allow the bank to do this, but the Bank Manager told me it would be a way of getting out of the hole I was in, as I wouldn`t have to make any payments out so I reluctantly agreed. The bank then put an `all monies` mortgage on my property, I had no idea what this meant, but took the bank manager at his word, in that he said it would benefit me financially...the bank then continued to take interest payments every month which exceeded the amount I`d paid for the overdraft each month!





The bank never explained the charge to me and nor did the Solicitor who completed the paperwork, I basically just went into the solicitors to sign the paperwork and that was it! The bank then closed my current account without telling me, and so the payments of course weren`t being made every month, and then they started repossession proceedings against me ...had the y not closed the account, the payments could have carried on being taken out of my account each month as they had been for the previous two years!





Is it right firstly that an overdraft of in excess of £30,000 was allowed when my only income was £800 per month, and then that I was lied to in order to allow the bank to put a charge onto my property to secure the overdraft in the form of an `all monies` mortgage, and is it right that the charge and the nature of it wasn`t explained to me ?



At the time, I was very stressed and upset, distraught in fact as I`d lost a gtreat deal of money and wasn`t in my right mind and I believed the bank manager when he told me he was trying to help me!



I have a complaint in with the FOS regarding other matters pertaining to this case, but am now pretty sure that what the bank did, was not right or legal,



I am due in court at the end of this week so any help would be much appreciated.



Thank you xx

Is this mis-selling of a mortgage?

Official TV Licensing website – Other websites offering TV Licence information and se

There are a number of unofficial, alternative websites offering information and services regarding the TV Licence. These websites may provide you with a premium rate phone number or may charge you a fee for a service that the official TV Licensing website provides for free. Please be aware that some of these websites may be […]

Read More -> Official TV Licensing website – Other websites offering TV Licence information and services





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Official TV Licensing website – Other websites offering TV Licence information and se

FCA considers deadline for PPI claims following pressure from UK’s top banks | This i

The Financial Conduct Authority may draw a line in the sand over payment protection insurance despite complaints from banking customers still pouring at a rate of 4,000 a week. The City watchdog said it is considering imposing a deadline on customers claiming compensation for the mis-selling of loan insurance following pressure from the British Bankers […]

Read More -> FCA considers deadline for PPI claims following pressure from UK’s top banks | This is Money





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FCA considers deadline for PPI claims following pressure from UK’s top banks | This i

Help with car insurance...

I've been insured with Kwikfit since January 2014 and in that time my wife (named driver) has had 2 accidents, they were both her fault.



She also had 1 with our previous insurer (Aviva) again this was her fault, so 3 accidents altogether which were all her fault.



The policy with Kwikfit was up for renewal at the beginning of 2015 and I went with them again as after a bit of haggling they ended up being the cheapest at around £500 for the year, down from £800ish they originally wanted.



When I spoke to the lady on the phone, it seemed as though it was a straight forward renewal, she didn't ask me many question and all I wanted to know was weather the new policy provided the same level of cover as the old one - I was told it did.



Everything seemed fine until yesterday when I received a letter from Kwikfit wanting another £400 for not disclosing an accident that my wife had back in April 2014.



I rang Kwikfit and they indeed only had 2 accidents on their system even though the missing accident happened whilst insured with them. I told the lady on the phone that the renewal proposal form showed 3 accidents, including the one that was missing from there system.



She said it was very strange and that I needed to send them a copy of the proposal form I have showing all 3 accidents, I'll be doing this on Monday when I can get to a photocopier at work.



The letter Kwikfit sent me also said that they were reducing my NCB from 9 to 4 years because of the undisclosed accident although the renewal form shows all 3 accidents and 9 years NCB.



I checked the paper work for the new policy and it does indeed only show 2 accidents, I wish I had checked this sooner but with the policy renewing I didn’t bother.



Sorry for the long post and I hope I’ve been clear but are Kwikfit within their rights to do this?



Any thoughts on this would be welcome.



Thank you.

Help with car insurance...

Tuncay Yilmaz. Marstons.

Hi, Today 31st Jan 2015. at 7.0am My daughter received a visit from a really aggressive Bailiff threatening to break into her residential home via a Locksmith if she did not answer her front door immediately. My daughter had purchased a car a couple of years ago via Hire Purchase and despite making payments after a fair while lost her job and the car was repossessed. Whilst my daughter has no issues with paying her debt, this Bailiff Mr Tuncay Yilmaz was aggressive, threatening, and completely unpleasant to the extreme. Despite this being a civil debt, he insisted it was a criminal issue, made threats to have my daughter arrested and brought before Magistrates Court, and despite myself trying to argue that although he could certainly take forceful action regarding any commercial premises, the enforcement and entrance of a private residential premises was a different matter. He responded by shouting at me saying I did not have a clue of what I was talking about.

I happen to have a rather thick skin when it comes to un warrented aggression but take exception to him behaving in the manner he displayed to my daughter. He was at best just plain nasty, threatening,roughly manhandled certain items of her property and when she tried to protest, was told the property no longer belonged to her to complain about. Despite this persons completely un necessary behaviour, our family managed to get the full amount together he was asking for but he then said that because it had taken until 12.0 midday, it was toolate for him to accept a cash payment and he would only accept a card payment. Un fortunately between the four of us, we do not hold a credit card and today being Saturday, we could not complete a deposit and bank transfer. Mr Tuncay Yilmaz has now threatened that because of this, there will now be an extra £158.00 chargeable and he will be making another visit with a locksmith which will also be charged for, leaving my daughter in a terrified state as he has already done a really effective job of convincing her of his strong arm tactics.

If any kind person out there can offer any advice or indeed any similar experiences of this Bully, we would obviously be very grateful.

With many thanks, C Buckley. ( My daughters father)

Tuncay Yilmaz. Marstons.

Rlp trying to recover losses from under 18

In December my (at the time) 16yr old daughter was shopping with friends, she selected 2items of make up with every intention to pay, she realised the other 2girls had no intention of paying for the stuff they had, she placed the 2items on the floor and left them. They were then stopped by security staff and police called. the 2items were then in one of the other girls bag. No items were found in my daughters possession after a lengthy evening night she was released with no further action after her version of events was backed up by the other 2girls.



Had the first letter which demanded £400 to be paid between the 3 of them. I called and said that I do not see the reason for her to pay, one of the girls has stated she paid a reduced ammount of £138 but still they demand £400.



second letter has arrived saying they still wish to proceed stating further version of account of incident.



What at should I do as this is causing unnecessary stress to my daughter and my wife and I. Thanks in advance for your responses

Rlp trying to recover losses from under 18

Restons Solicitors/Cabot Financial

Hi everyone,



I need some help with a letter received today from Restons Solicitors.

I have a debt which was originally a credit card with whom I can't remember but it has been passed around a few times and now rests with Cabot Financial. I was being pursued by Marlin Financial Services on behalf of Cabot and Marlin have now employed the services of Restons Solicitors. That is the basic story so far.

The letter from Restons says pay in full by Feb 23rd or they will take County Court action. Alternatively I can make an arrangement to pay by instalments or call them for a significantly reduced full settlement. The debt is for £1399.38.

When I look on my Equifax credit file the debt shows as defaulted on 29 May 2009 and I haven't paid anything since then. Am I correct in saying that the debt will be statue barred after 29th May this year? I wonder if they are just putting the pressure on because they are running out of time and how best to handle it. As I remember the credit card was a really high interest one and I think most of the debt is charges and interest. Any suggestions on what I should do next?

Many thanks in advance,

Steven.

Restons Solicitors/Cabot Financial

What happens if someone worked without a National Insurance Number for 2 months? (b

Hi.

Say someone of legal age, worked for 2 months without a national insurance number. The pay was not worth mentioning (250 pounds) and it was also the only work during that year.



Say that same persion also did indeed pay the tax, and then when the tax return came, since the income was so low that it was not taxable, he did not even cash in the check, since again the 50 pounds tax was very little. (That person is rather lazy when it comes to things like that).



Now, assuming that person wanted to get a National Insurance number. How should he proceed? Is there any difficulties that could arise for him or his emplyer, since he worked without a national insurance number?



The thing is that, there was clearly no intent on tax dogery, since the income was too low and that person didnt even claim a refund, so paid the tax anyways.

Cheers.

What happens if someone worked without a National Insurance Number for 2 months? (b

JRF response to proposals to reduce the benefit cap | Joseph Rowntree Foundation

In response to Conservative plans to lower the benefits cap to £23,000, Helen Barnard Policy and Research Manager at JRF said: “The evidence shows that out of 27 000 people affected so far by the Benefit Cap, only 2000 managed to get work, the vast majority just got poorer. Even where the cap does result […]

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JRF response to proposals to reduce the benefit cap | Joseph Rowntree Foundation

The question debtors are increasingly asking: do I have to repay?

The rise of online forums as a place to get debt advice represents something quite different, however. In the long history of borrowers’ difficult relationship with debt, the tendency has been for people to try to deal with their debts alone. For many, taking on debt involves not just an economic relationship but a moral […]







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The question debtors are increasingly asking: do I have to repay?

01983213569 Silent / Hung up when I answered

01983213569











Type of Call

Silent / Hung up when I answered

Call Features

Actual Human

Opt Out option given ?

No

Are you registered with TPS ?

No

For advice dealing with nuisance calls view http://ift.tt/1qFf3gp

01983213569 Silent / Hung up when I answered

Men’s Advice Line – support for male victims of domestic violence · Respect

Men’s Advice Line: confidential helpline for men experiencing domestic violence from a partner or ex-partner (or from other family members). RESPECT can help by: giving you time to tell your story; offering emotional support; providing practical advice; signposting you to other services for specialist help. via Men’s Advice Line – support for male victims of […]

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Men’s Advice Line – support for male victims of domestic violence · Respect

last attempt

i agree that it is

last attempt

Halifax credit card

Hi there, I wonder if any of you can help me on this please. My wife took a Halifax credit card out on 12-06-2007. She fell behind with payments along the way and went to a debt management company late in 2010 to help her. He had been managing her accounts until recently when he retired. We are trying to sort our own affairs out now. I have sent a s78 request to Halifax/PRA Group and received the reply which is attached. Her credit file says the agreement started 18/06/2007-the response from Halifax with the supposed copy of the credit agreement says 12/06/2007-don't know why they should differ. Can anyone advise if this is a copy of the actual credit agreement ( or a copy of the application) and does it satisfy S78 request please? Thanks Mc

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Halifax credit card

Capital One

Hi there, I wonder if any of you can help me on this please. I took a Cap One credit card out on 13th March 2003. I fell behind with payments along the way and went to a debt management company late in 2010 to help me. He had been managing my accounts until recently when he retired. I am try to sort my own affairs out now. I have sent a s78 request to Cap One and received the reply which is attached. The copy of the credit agreement supplied does not appear to me to be a copy of an 'ACTUAL' credit agreement but I can be corrected on this. It is a copy of an application form. For some reason my signature is in both boxes-(in the Cap One authorisation box also). There is no terms etc on the back of it and it came with a separate set of terms and conditions which may or may not have applied at that particular time. The account was defaulted on the 15thMay 2011. The sums owed increased also from £1879.77 to £2180 -(now £2104.03) with interest and charges applied. I had a £1700 credit limit. I do not have a copy of the default notice. Would it be worth sending a SARS request to them to see what they have? Does the documentation they have supplied comply with a S78 request?

Thanks Mc

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Capital One

I worked at small diy chain as a security officer on low pay

I worked at small diy chain as a security officer on low pay on £6.98 for a 48 hour+ a week

they then told me I had to go to a very much larger store at least 3 times as big as that store and on my own take a 10p an hour pay cut

and travel twice as far to get there is there any legal things I can do as it seems like slave labour and at the moment one of the managers

has been harassing me for not fully securing the store which all of the normal staff agree with me is an impossible task on my own.

help v v much appreciated please

I worked at small diy chain as a security officer on low pay

having to repay £1500 of jobseekers they say is overpayment but don't agree

having to repay £1500 of jobseekers they say is overpayment but don't agree I was unemployed between sept 2009 to Feb 2010 after being unfairly dismissed which I won at a tribunal I paid back some of the money to the government then for the time the tribunal covered. i got laid off after only 4 months of work in july 2010 then was out of work till 15 nov 2011 when I took a lower paid job in security which is only paid £6.88 for a 48 hour week and they are still chasing me for the debt know. I have written to my MP

and the jobseekers chief exec what can I do the solicitors have said they will hold off till feb is there a time limit for this kind of debt.

I have asked where the debt comes from to no avail

having to repay £1500 of jobseekers they say is overpayment but don't agree

parking eye court date.

Iam in court next month for a parking ticket i recieved at Newquy ,I have still got the ticket from the summer paid £5.00 went over by a few minutes tryed to pay the excess but the machine wouldnt take any money.a lot of people must have got fined that day as i only got my money in the machine at the start of the day as i had about 20 pound coins in my pocket. the other machine was out of order.I HAVE had mediation that didnt work they want £185.My defence im useing is i paid for the ticket the machine wasnt working.I need advise on how i set up my defence please.

parking eye court date.

Full and Final settlement offer advice

Hi all my dad has offered to help me try and and settle some of my debts so i want to make some full and final settlement offers to my creditors i have modified the national debtline FF settlement template then had one of there people look at the alterations i had made using copy and paste on the live chat facility they said everything was fine except i shouldn't state the fact that the offer of the amount from my father is time limited.

And should reserve this fact for a later date if needed, does anybody have an opinion on this?

Full and Final settlement offer advice

Overpaid tax credits

My son has been told he has been overpaid tax credits, he had none last year, and the amounts they are saying vary with every letter, I think I saw somewhere on this forum another forum dealing with tax credits, any help would be appreciated, I want to print anything that might help explain and how to deal with this

Thanks in advance

Overpaid tax credits

Fredrickson International Ltd / FPC Letters

My OH received a 'Confirmed Resident' letter from FPC before christmas in respect of an outstanding debt but no details, asking for payment ?



I told her to ignore it, in which she did but now she is continuously receiving further letters, this time with a balance outstanding on a debt with Capital One , that she vaguely remembers but not sure how long ago.



Does she just ignore them or should she now send the standard DCA letter not acknowledging the debt and requesting the original CCA agreement / Notice of assignment details etc ?



If letter to be sent please can someone kindly advise which one would be suitable as I see there are variations.



Thank-you

Fredrickson International Ltd / FPC Letters

Pension Credit

My mum passed away 4 months ago. now the HMRC estates office is saying she may have been overpaid. The HMRC pension credit office told us some time ago that she would no longer be accessed. why is it that these people come up with this accusation at this time. Is it lawful of them to to this?????

Pension Credit

brighthouse

Hi I have been a customer with brighthouse for a year now we get 300 a fortnight on esa because my husband is disabled we are paying 167 a fortnight to brighthouse my husbands health has got worse we missed 2 payments then started to get knocks on door from brighthouse everyday I spoke to the bloke Wednesday he said I had to give back some stuff but not the computer as it's nearly paid for or pay 70 by Saturday otherwise I'll be taken to court my brother made that payment for me but they said I had to make the normal 167 payment Monday but we are unable to I know I owe the money I will pay but they won't take less now I'm thinking off letting them take me to court to get payments reduced is this a better option

brighthouse

collectica

Hi I am new here and just making a query I had some bloke at my door from Collectica last week he handed me a removal visit letter now, this I know what this is for its fir a court fine fir tv license I had rang court up and they said they would send me a payment card which I never received the lady said that a red letter had been sent and to ignore it, next thing I knew before Xmas I received a text message from Collectica saying please ring to pay in full or arrange a payment plan to which I tried I rang them and had no luck was stuck on phone having please wait while we find your file this was forty minutes each time I rang I tried again after Xmas and got same.



I have had no letter from Collectica until this man turned up on the 23rd of this month stating I had to ring number on letter to pay in full ,I rang it and the bailiff said he would give me till 30th Jan to get payment in full ,I explained my partner claims for me on jsa as I've git a ten month old baby, he said it did not matter if I was unemployed as its not means tested, I receive a text from bailiff Thursday night to say I had to make a payment 9am Friday morning ir he would be attending at 1pm then Friday morning he sent another text saying one hour left to pay if no payment enforcement will be out to Carr out what is said in letter handed ti you, I was in a flap all day yesterday for no one to turn up I am the same today ,my baby senses this , I had been to CAB on Tuesday who filled in an expenditure. Firm and rang bailiff to try and arrange a plan which he didn't want just full payment

collectica

Uk Parking Control Limited - I need some advice please

Hi

Can anyone help me. I have a parking charge notice from Wycombe Eden Centre Carpark. This ticket was issued by UK Parking Control Limited. I have an Audi Q7 which as you all know is a beast of a car. Anyway, I reversed into a space in the carpark to take my sons to a friends cinema party. The car parked next to me was in the middle of its space so I had to park slightly over otherwise the driver next to me would not of got in his car, my drivers side wheels were touching the line of the parking space. To be honest it probably would touch the lines at some point because its a huge car and the spaces provided aren't that big. The ticket has been issued and its a £60 fine for literally a 10 minute visit to the carpark, I don't feel eligible for a child space as my son is 13 years old and that would deprive somebody with a pushchair and younger children a space.



I have read up several forums and mostly they are telling me to ignore this ticket. Please please help me, can I ignore it????



Thanks

Uk Parking Control Limited - I need some advice please

National insurance number employee trouble. HELP!?

I've just returned to the UK after 5 years in New Zealand and because of this I was not issued my national insurance number when I turned 16. Now that I've returned to the UK I only have my NZ passport and can't afford to renew my UK passport (a prerequisite for a national insurance number) until I get paid. However my employer who I've been working for a month+ has said that they wont pay me until I've got a national insurance number sorted. The problem is I can't get my national insurance number sorted until I get paid and pay to renew my UK passport and I can't get paid the money I need to do that until I have my national insurance number.



It's obviously a bit of a circular situation of not being able to get paid until I get paid. But I've been told by many people that a national insurance number isn't necessary to be paid, but payment can still be made, your tax is just increased. Is this true? As I don't mind as long as I can be paid and afford to renew my UK passport and get this whole debacle sorted.



Any help or tactics to get this sorted would be greatly appreciated:tinysmile_cry_t2:

National insurance number employee trouble. HELP!?

Lowells breaking dpa !

Where to start lol

the other half ordered some stuff from a catalog which didn't turn up or could have been stolen from the door step as a neighbour said he did see a parcel at the time

she reported to said catalog this was about 2 years ago and never heard anything since

today she got a phone call from her dad saying lowell had sent a letter or been round his house and they gave him all the details about it and tryed to get him to pay

yet she hasn't lived there got about 9 years



The other half says she never signed any forms or anything so should I get her to send a cca request as she remembers it was for a total if about £150 now they want over £300

i have also told them she is a vunrable person as she is on very strong anti depressants

Lowells breaking dpa !

Consumers still being caught out by misleading Passport websites

Over the last few weeks LegalBEAGLES have received numerous pleas for help from consumers who have unwittingly attempted to book urgent passport application appointments through a ‘copycat’ third party website. The website, BritishPassportServices, is run by UK Services and Support Ltd, who are also responsible for numerous other websites including UKPassportOffices.co.uk, which was subject to […]

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Consumers still being caught out by misleading Passport websites

Daughter in laws credit file

Hi guys



My daughter in law got me finance 3 years ago which I pay, I have missed a few payments and when my son and wife went to see mortgage advisor they have been told that they won't get a mortgage because the loan is showing as default on credit file.



can I get this removed from their file as it is my responsibility or are they stuck with it.



if so , what are the alternatives



thanks in advance

Daughter in laws credit file

Received court papers N1CPC

I have in the last ten days received papers from a court requesting details from me in regards to payment, the debt is from 2006 and we have not been in contact with them since then.



Am I to late to send a statute barred letter now they have sent court papers?



If I can still do it, how do I go about doing it?



I was disputing the orignal amount as it was 90% charges but they ignored me, so I ignored them.



Until now.



Any help given will be amazing!

Received court papers N1CPC

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deducctions from wage as new starter

Hey



I hope someone can help as I'm fuming.



I started a new job and had induction on 02/12/14.

In induction was told I'd start on 08/12/14 but wont get paid on 23/12 but I did and I got about £800.



now this month I got £280 deduction and left me more or less pennyless after rent etc. And payroll said it cos on there system my start date was 02/12 but didn't work until 08/12 but they paid from 02/12 so they deducted it.



No k e at no point has said this and I haven't signed anything to say I understand etc. And they said in contract they state at anytime they can deduct any money so they did.



So already my employer is playing games, what can I do?



If they play games so will I but want advice also:



They said my contract states that they can deduct, so my point then is my contract also states I get 30hrs a week and if my start date was 02/12 I shouldn't have those deductions as they couldn't give me the 30hrs in that week but as I'm contracted to 30hrs they have to pay it?



Thanks for help in advance.

deducctions from wage as new starter

help with Marstons PLEASE

Hello .... i really could do some help ASAP ... dealing with Marstons ...





I got a fine for not having a tv lic ......

i,m not getting away from the fact that that i have to pay and will but this is getting out of hand and the amoung has gone up from the original court fee of 560 to now as it stands today 870 ....



I got a letter the end of oct from marstons saying that i owed 635 .... it was the 560 plus 75 comp fee



i called thenm and explained that i was a single dad and self emplyed and money was coming that past and could i please make monthly payments .....

Now i must admit that the lady i spoke to seemed nice to me .. but said the rules had changed and that the only thing that could be done is to spread it over 8 weeks ..... which meant it had to be paid by 31st dec ...

i felt i had no choice but to agree ....



During that time i became ill .(heart problem).. and wasnt able make any payments .....

I actually had to go and stay at my mothers for a short while ...while i recovered ..... luckly my children are teens and were able to help ....



\i came back home end of last week .and it was playing on my mind that they could turn up .... so i decided to get advice this week before contacting them .......

i was told to contact the courts and ask them to take it back and ask for a means hearing ....

i was told that they cant take any tools in my house as i need them for my work ....

i was told that if my kids have there own stuff ie tv playstation that they cant take this ? .. not sure about that one

i was told to hide my car .... which i have put on another road ... ..... but can they check on the spot who owns a car ?



today is Saturday .....

itryed to contact the courts all day thursday with no joy ... i was told to try emailing them and i did ....

finally got to speak to someone at salford enforcment dept on friday ...



I explained that i had the agreement with marstons but have become ill with heart issues ... and wasnt able to apy ... i explained that i could provide a not saying this and i wasnt back in work for about a month and i would like a means hearing and delay any action .... i also explained that my children prefered to stay at friends cos they were worried about a baliff forcing entry and cleaning out the house .....

She basically refused to help and said it was up to marstons to make any dealings .. and up to them to pass it back to the court ...

i begged and asked several times with no luck ....

she only offered to put a notice on the file that i had contacted and explained about my health and wanted to make monthly payments ... and i would be contacting marstons that day ......



So ..... friday afternoon i called marstons ....

i explained the above ... that i had contacted the courts and that they had put a note on the file ....

i explained my kids wouldnt stay at home ...

i explained that i had been ill with heart problems and actually had to stay at my mothers and now back home ...

i said that its stress i cant handle right now and wanted to come to an agreement ... to pay monthly and increase when i,m back to work



she said that although they were baliffs that they werent mean and asked to put me on hold while she spoke to her manager ...

She came back and said that it was already assigned to a baliff ... that would be coming to my house and to deal with her ..

She also said that a note would be put on the file to explain it to her ...... and that to speak to her and that you were going to get a letter from the doctors to back what i said and then it would be given to another department to see about payments ....



I felt a bit better .......



So i couldnt sleep last night and ended up falling asleep on the sofa .....

7 am this morning .. i hear someone knocking on my window .... several times .... then i hear her shouting through the letter box that she was a baliff and to answer the door or she will be entering with a locksmith ....

she stayed for 5 min ... then i hear her asking for someone called Gina on the phone ... freaking out that maybe it was a locksmith company ...

She stayed in her car another 5 min and even tryed to call me on my mobile ... ( i didnt answer )

She left a notice through the letter box ... a nice RED letter .. Final Notice ...



saying that



despite numerous notices and attendances i shall attend to take control of goods and remove for sale by public auction ....

and take notice that unless full payment is made imediatly i shall remove your goods for sale at public auction



there were several boxes to tick ... ie ...

one evening this week .

one morning this week

after 7pm today

this weekend ..



she crossed out the 7pm one and circled Today ...



now after all the begging and explaining my situation and im willing to pay but on monthly payments ....

i cant believe this ...



What can i do and what rights do i have .... i really need to know what to do



thanks for any real help

help with Marstons PLEASE

if this dont warm yer cockles

if this dont warm yer cockles

Bayv forged signature??

Hi



Not sure if this the right place to post but it is a credit agreement issue.



OK, I ordered some sofas from buy as you view. When it came to them being delivered I arranged it for a day when I was off work as I had to the agreement due it being in my name. They never turned up! They turned up the next day surprising the missus. They brought the sofas into the house and asked where I was as I needed to sign the credit agreement, the missus told them I was at work (which I can prove I was) and explained that they were supposed to arrive the day before as arranged. Instead of rearranging the bayv guy told the missus to sign the agreement, so she went sign her name. The guy stopped her and said 'No sign your partners name, as long as it looks as though he has signed it that's good enough!' So she naively did. There was three blokes in the room so I suppose she felt a bit wary when it happened the way it did! Surely this is wrong?

Bayv forged signature??

SCAM EBAY 2006 Volkswagen Golf 3.2 V6 R32 4MOTION 5dr DSG - BF56MXZ - FRAUD - 31-Jan-

PLEASE BE #SCAMAWARE - READ THIS -->

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If you have found this post it is likely you have been looking at an advert to purchase an item like this. Please check the link for the listing number as although this SPECIFIC LISTING has been reported as a potential scam others may be genuine.



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If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.



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Hacked eBay Motors Car Dealer Account :-





ukmyau-5i0dhn (4 )









*





Telephone numbers changed to prevent any verbal contact with this dealer

(last digit in both cases)









Dealer Website













Hijacked eBay Account











*









Here's the same ad before the hack and hijack :-























*

Posted on eBay by cyber-criminals on 30-JAN-15 at 22:57

Reported to eBay by Buster Jack on 31-JAN-15 at 06:40

*

See more - follow to see listing...

SCAM EBAY 2006 Volkswagen Golf 3.2 V6 R32 4MOTION 5dr DSG - BF56MXZ - FRAUD - 31-Jan-

CCJ, When does the Statute Barred period begin?

I received a CCJ claim form with issue date 5th January 2015 earlier this month. It is for an amount of £575.26 and is owed to "Shop Direct Finance Company" for a catalogue account opened in 2008. I have managed to find an old debt letter that I had kept which states the credit agreement date was the 19th October 2008.





Shortly after taking the credit agreement out - and ordering items to the credit limit - I lost my job and as such I was unable to pay the debt back. In fact upon inspection it would appear that I made no payments whatsoever or any written communication to the debtor accepting the debt at all.





I foolishly buried my head in the sand and ignored the debt and despite the odd debt letter here & there I heard nothing until this CCJ claim form came through a few weeks ago.





I have spoken to the National Debtline / Stepchange who have both informed me that the debt could possibly be statute barred due to the fact that payment / communication hasn't been made in over six years.





However upon further reading on the internet I have since read that the six year period could actually either be from the "default" date OR somebody else told me that it could be from the date of the last order I placed with the company. If it is the "default" date, the account wasn't defaulted until the 18th of May 2009 according to my credit file.





I have submitted an acknowledgment of service to give me 14 days extra in which to decide if I wish to defend this claim.





My query is quite simply when does the statute barred period begin? Am I covered under the limitations act or does it look like I will have to accept the debt and pay up?

CCJ, When does the Statute Barred period begin?

private landlord / county court

Hi all

im new here . im looking for some advice .i have an ex private landlord trying to take me to a county court for rent areers . i dont agree with the amount however i have made 3 offers of payment via instalments . to which he has refused . i got a copy of the tenancy agreement that he is using for this court case i have not sighed or filled in any of this agreement . so where do i stand ?

any advice would be a great help

many thanks ...

private landlord / county court

Annual leave entitlement

Hi.

Please could you advise me on the following. I started work at the NHS on the 7/7/2014 on a 24 hour contract. A full time contract is 37.5 hours with 27 days holiday plus 8 days bank holidays. I was informed that my annual entitlement to 31 March was 95.5 hours plus 19.5 for the bank holidays (average working day is 4.8 hours. They calculated this based on a 5 day week. Booking a week off is straight forward but gets complicated when I requested singular days. The rota is made available 2-3 weeks in advance which means that when I have requested 1 or 2 days I have seen them ammend that week to 3 working days and deducted 8 hours for each day. Therefore for 2 separate requests of 2 days off (totalling 4 days) they have deducted 32 hours which is more than a working week. They also did this for not working on Boxing day. By the end of March I will have had 20 days holiday for the 119 hours they calculated. Hope all this makes sense. Many thanks for reading.

Annual leave entitlement

CCJ from Cabot's

Hello

I am posting here in the hope that you may be able to offer me some constructive advice on a problem that has recently revealed itself in the form of Cabot’s having obtained a default judgement against me at Northampton County Court.



Needless to say, I am extremely worried and anxious to deal with this as I am terrified of the next step Cabot’s might take, which would be obtaining another order from the court to involve bailiffs.



The court has ordered that I pay Cabot’s £228.34 per month on a debt of £13,700.37. This amount is nowhere near the original amount that was originally loaned from the Halifax. On top of this amount there is mis-sold PPI, astronomical interest charges, together with charges from a variety of DCA's whom it has been passed around and sold on for the past 4 years. I don't think the judge will have known about or considered this as Cabots would obviously have wished to recoup amounts that should be refunded such as PPI.



At the present time I am going through a particularly bad time with my depression (which I will talk more about in a moment), and my mental health is suffering greatly. I have suffered with period of being upset, confused, and did not realise I should have filed for a defence – hence this outcome, and my now appealing to you for assistance.



I would like to discover if the judge would see this as a good enough reason for a set aside if I were to provide evidence from my doctor, and the court were to realise how Cabot’s have pushed me to where I am now, as well as the amount of money they are trying to claim in charges plus the original PPI which is still there, which I don't think a court would award if they were aware.



I had been unemployed since September of 2012 and been surviving on JSA payments. It is only recently on January 5th this year that I managed to secure a temporary job assignment from an agency that will last 12 weeks but the pay is low. The amount the court has ordered me to pay is a whole week’s wages! I cannot possibly afford this! In fact, I have extremely little left for food after my utilities, travel, etc. have been paid each week.



There have been times when I have not eaten because food becomes simply unaffordable when monthly bills have been paid.



On top of all this (as I touched upon above), I have suffered with very bad depression for a number of years for which I am under the care of my GP and take medication for and which I can back up with a letter from him if I need to. Cabot’s are literally making my condition a whole lot worse, and my mental health is suffering to the extreme because of it – I am having some very dark thoughts right now as I feel Cabot’s are ruining my life with their unreasonable demands! I would like to know if there is something in both the mental health act, and OFT which prohibits outfits like Cabot’s from pushing me to the brink, which I feel they are doing right now



Is there any way I could get this judgement set aside, so as to buy me a little time to sort things out and come to some sort of agreement with both parties? There is no way I can get my hands on this kind of money! I am feeling absolutelydesperate right now and feel I am on a runaway train!



My income is so low that I am still entitled to relief on my rent and council tax according to the calculation I had done by the manager of my housing association. I have to wait until they have five of my pay slips before I get a final decision,



I fear that my situation is unlikely to improve, and an expenditure and income statement would show that realistically I am unable to make any offer of payment right now, as my income is nowhere near the figure that it was since I was sacked from my position with DWP because of my mental health issues, which they claimed they were no longer able to support



I realise that time is of the essence here, so I would greatly appreciate any initial help and advice you could give me to get me started. I have attempted to fill a N244 form online but I am a little unsure of some of the questions asked.



I hope you may be able to advise me somewhat after considering some of the points I have raised, and how I should go about dealing with the court. I simply cannot entertain the idea of bailiffs knocking on my door as the thought terrifies me!



I have no assets to speak of. I own no property, I have no vehicle, no savings or investments, or anything of any worth at all.



I don't even have carpets or furnishings as I am not in a position to afford any aright now and have not been for a long time.



If getting this set aside isn't possible, what is the best step to take? How do I approach Cabot's regarding this so as to get the payment reduced to an affordable amount?



I would appreciate any help or advice you could give me.

Thank you so very much for your time.

CCJ from Cabot's

Appeal appeal!!!!! Do not pay!!!! Appeal appeal

Dont pay APPEAL APPEAL

Appeal appeal!!!!! Do not pay!!!! Appeal appeal

Bad day at the office for MKDP LLP

I heard a little dickie bird tell me that MKDP LLP have said that they dont lose cases such as this one………………….. I can confirm, if the above statement is truly attributable to MKDP then its false, because their arse got well and truly spanked in Court on Tuesday. Spanked in fact is probably the […]

I heard a little dickie bird tell me that MKDP LLP have said that they dont lose cases such as this one…………………..

I can confirm, if the above statement is truly attributable to MKDP then its false, because their arse got well and truly spanked in Court on Tuesday. Spanked in fact is probably the biggest understatement going.

The Court granted a certificate of unreasonable conduct against them, ordered them to pay costs in a small claims case, and dismissed their claim against the Defendant pointing out that they hadnt even established the right to be in the Court room let alone the right to the Debt.

The credit agreement they had was declared unenforceable (irredeemably) and their whole case savaged by the Judge. In truth however, it was more due to the preparation that when into the case to set it up that brought the win to the table.

I willl post the Judgment when i can, but the case is identical to HFO Capital v Wegmuller.







More...

Bad day at the office for MKDP LLP

Parking Eye Advice

I have today (30th January) received the letter below from Parking Eye dated 15 January 2015. I did not receive the original PCN letter it refers to.

I changed address shortly before the "Date of Event: 06 December 2014". There was a delay with the DVLA updating my details and my mail re-direction service failed so I assume the original PCN is one of the items Royal Mail mis-delivered.



The letter says: The 29 days have now passed and the amount now payable is £85.00, this payment is required within 14 days to avoid further action."
As this letter was redirected and delayed, it is now 14 already over days after it was sent.



Please would someone advise me how to proceed? Is it best to just pay the fine now?



If there is any way I can still appeal/complain, here's an overview. I understand the car park at the retail park allows 45 minutes parking free of charge, after which time you must purchase a ticket. On the day in question I spent more than £40 in one of the stores at the retail park (I have the receipt). I then briefly visited other stores at the park but did not purchase anything. I am not sure how much time over the 45 minutes I stayed but I don't believe it would have been very long.



Thanks in advance for any help.

Attached Images

• PCN.jpg (76.6 KB)

Parking Eye Advice

Parking Eye Ticket - Unsuccessful Appeal

I received a parking ticket from Parking Eye on the 31 May 2014. I appealed the ticket as I had entered the wrong vehicle registration in the ticket machine. I explained I could not see the registration number from the ticket machine and was rushing as I had my 18 month daughter with me. I asked them to check their systems and there should be a number plate that does not match up with any other vehicles in the car park at that time.



Anyway I have now received a letter saying my appeal was unsuccessful with a letter to submit a appeal with POPLA. Are they not supposed to let me know the outcome of the appeal within 35 days? Its ridiculous its taken them 8 months to respond? How should I appeal this decision?

Parking Eye Ticket - Unsuccessful Appeal

louis vuitton jwfm dggk jfag

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louis vuitton jwfm dggk jfag

Advice requires for friend before he cracks up.

A friend of mine is in turmoil.



His wife just just walked out with his two children and left him without giving reason two years ago.



She point blank refuses to communicate with him and give him a reason.



He believes she she was seeing someone as he saw something on her FaceBook that raised his suspicions. He challenged her about the post and her solicitor told her to block him from seeing her posts.



That aside, she is demanding that the house is sold for a figure in her mind and wants 70/30 split of assets.



A long qualified chartered surveyor friend of mine ha said that the house in the current market will release around £125-£128k. This is what they paid for it some years ago.



Many friend doesn't know if they have a repayment or endowment mortgage and is possibly close to breakdown from observing his general change in attitude and reactions from what I do know.



He he is paying the mortgage in its entirely. He has the children in Wednesdays and every other weekend from Friday night to Sunday night.



I know nothing of this type of situation. It just seems so unfair that she can demand the house be put up for sale at a price set in her mind irrespective of the fact that he is still paying everything.



Mashed is only responsible for the flat she is renting and associated bills.



So far, I've told him to sack his solicitor who is 'only' £130 per hour and get one that costs £300 per hour. This is not necessarily the best advice and he is reluctant because he wants to retain as much settlement as possible.



Sage advice required please so I can try to help him.

Advice requires for friend before he cracks up.

rossendales excessive charges

hi i have sent letter 1 to rossendales after being charged for a visit at my previous address , i had no knowledge of the previous visit. and have been charged £301 for a letter i never received and a visit to my old address.



this is the letter i received and i now need to send letter 4 to the head of revenues at sheffield city council, does anyone know how i can find the relevent contact email for this letter to be sent ?



thanks in advanced







Thank you for your email.



As request each fee that has been applied to the account is shown with the date and time that it was incurred. All of the fees are charged in accordance with the new government legislation that came in on the 6.4.2014.



Case: 8812530

Council reference: 83835279

____________________________

Original Council tax arrears: £292.00

Total fees: £310.00

£75.00 charged on 8.4.2014

£235.00 charged on 20.5.2014

Total: £602.00

____________________________

Payments received: £0

____________________________

Current Balance: £602.00



For us dealing with collection of the case you are liable for the £75.00 Compliance Fee which has been legally incurred. This is due to the new Fee structure that was set by the government on the 6.4.14.



The Enforcement Fee was incurred when the Enforcement Agent Miss Milnes attended on the 20.5.2014 at 11.42am, she was certificated on the 4.7.2013 at Burnley Combined Court Centre.



Please note the full balance needs to be paid to ensure no further action commences.



Yours sincerely



Catherine May

rossendales excessive charges

Court Stay lifted?

Will the courts inform me that a stay on my case, has been lifted or not?

Court Stay lifted?

FCA WARNING: Globus Capital Associates Limited (GCAL)

We have published this statement to warn investors against dealing with unauthorised firms.





http://ift.tt/1zf9ASw

FCA WARNING: Globus Capital Associates Limited (GCAL)

Pension Credit overpayment

Hi everyone

This is my first time on here so please accept my apologies if i get anything wrong or don't explain my predicament clearly.



I am currently representing my late mother who passed away last November in a dispute with the DWP over an alleged overpayment of Pension Credit. The story goes back nearly 12 months and it's not something thats not really relevant to my query but I will gladly supply information if someone feels it's necessary for them to answer my question.



The dispute is now at the Appeal stage and in the hands of The Courts and Tribunal Service whom i have advised i am not an Appointee or held Power of Attorney for my late mother. Today, the Appeals section of the DWP have contacted me by phone saying that they have received an email from the Courts and Tribunal Service saying that in order for the Appeal to go ahead, by law they need me to be made an Appointee. The DWP woman went onto say that she can make me an Appointee over the phone on behalf of the Secretary of State for Works and Pensions and then began to go in to pre scripted speech. I stopped her almost immediately and said that i would have to take advice before i agree to anything . She replied that it didn't mean i was liable for anything and it was just something that was necessary for the appeal to go through.



It all sounded a little rushed and made me very suspicious so i flatly refused and said i would contact her again once i had sought advice. So my questions are :- 1, If i choose not to become an Appointee, and clearly the Courts and Tribunal Service need me to be for the appeal to be heard, can the DWP still chase me for my late mothers alleged Pension Credit overpayment?



2, Can the DWP force me to be an Appointee even against my wishes, in relation to recovering the alleged overpayment?

Pension Credit overpayment

FCA WARNING: GDPX Assets ltd

We have published this statement to warn investors against dealing with unauthorised firms.





http://ift.tt/15PCbBP

FCA WARNING: GDPX Assets ltd

FCA WARNING: Nakitrade

We have published this statement to warn investors against dealing with unauthorised firms.





http://ift.tt/1A7bK7Y

FCA WARNING: Nakitrade

Silly mistake RE: speeding fine.

Hi guys.



Sorry to say I joined this forum more out of desperation to at least settle my nerves a little.



I was caught doing 65mph in a 50 zone last year. I paid my fine promptly on the 17th December but stupidly forgot to send off my Drivers License and Counterpart. My case has now been referred to the Courts and I have been informed that I shall be receiving my summons within the next couple of weeks. I thoroughly intend to plead guilty as it's my own stupid fault but I'm more or less at my wits end worrying that I am going to get banned from the road. My work and also my recreational activities require that I be able to drive so now I'm really scared.



Along with my guilty plea, I also intend to submit a mitigating circumstances just to try and draw attention to the fact that it is just one stupid, forgetful mistake. I must also point out that this is my first offense speeding.



Any insight would be much appreciated. (I know no-one can speak on behalf of the magistrate but any experience or knowledge would really help).



Thanks!

Silly mistake RE: speeding fine.

Alex Hope and Raj Von Badlo sentenced following FCA prosecution

Having been convicted on 9 January 2015 following a trial, Alex Hope was today sentenced at Southwark Crown Court to a total of 7 years’ imprisonment for defrauding investors of significant sums and operating a collective investment scheme without authorisation.



http://ift.tt/1uJa1yI

Alex Hope and Raj Von Badlo sentenced following FCA prosecution

CCA 1974 Vs Overdrafts

What are the Laws regarding overdrafts.

A Rough out line,

I had a bank account that had an agreed over draft and When I lost my job some time ago I went over the agreed limit. I did everything could to keep straight but spiralling bills just kept dragging me down. I suffered with depression and shoved my head in the sand for a while

I tried talking to the bank but they did not want to know and kept hitting me with chargers and interest.

So I have asked for the provided me with a copy of the signed contract regarding the overdraft pursuant to the consumer credit act 1974. ( clutching at straws)

They have said that overdrafts are exempt from the CCA 1974 and the money outstanding above the a agreed overdraft limit is not covered by the CCA 1974 and they don’t have to provide any paper work for that as it is regarded as separate contract. Can any body point me in the right direction?

Someone said check out Coutts bank Vs Sebastiyen

CCA 1974 Vs Overdrafts

how do i format a request for a preliminary plea scots sheriff court

hi i want to submit a request for a preliminary plea hearing a copy of which i understand must be submitted to all parties .

i want to argue for dismissal on the grounds of time barred under the prescriptions and limitations act 1973 scots law any help on formatting would be

greatly appreciated. basically I'm looking for a template or draft/ form if their is such a thing.

how do i format a request for a preliminary plea scots sheriff court

41435507311 Other

41435507311











Type of Call

Other

Call Features

Actual Human

Opt Out option given ?

No

Are you registered with TPS ?

Yes

For advice dealing with nuisance calls view http://ift.tt/1qFf3gp

41435507311 Other

Parking Eye fine-Morrisons

Hi,

I have just returned from holiday to find a parking charge notice from Parking Eye stating my vehicle was picked up on anpr as it entered the car park of Morrisons in Braintree, Essex, an image is attached. .This occurred at 14.14 hrs and it also contained another image of my vehicle leaving at 14.54 hrs, some 40 minutes later. The car park allows a period of 'free' 30 minute parking.

However my wife was driving and recalls entering the car park and leaving a short while later, within the 30 minutes, she then had to return to pick a work colleague up and she believes this is when the 2nd image has been obtained thus giving a 40 minute stay. Her first exit and 2nd re entry appears not to have been picked up.

In my profession we use anpr and know it isn't 100% accurate at reading number plates and we always verify in the flesh, so to speak...



Any advice on a way forward in this case as I really don't want to hand over £50 to this lot....



Regards



Meegers.

Parking Eye fine-Morrisons

capquest

ive recieved a letter from capquest saying i owe money this debt is my wifes but in my name and we thought it had been paid but not!can it been changed to my wifes name so she can deal with this matter??

capquest

Repossession hearing whilst ongoing FOS complaint is in place, please help?

Hi everyone,



I was badly advised by my bank regarding an investment which turned out to be a scam and I lost a great deal of money and ended up with a large overdraft and a huge mortgage as a result, (as I paid back friends who had also invested) the bank told me they`d checked out the investment and it was sound, and actively encouraged me to run up a large overdraft which when the deal went wrong, (in reality, all they wanted was the considerable funds depositing in their bank and were prepared to do or say whatever they needed to in order to get my agreement to do this and their file notes which I now have, prove this!), they secured on my property via an `all monies charge`, I had no idea what this meant until recently when they are trying to get possession of the whole of my property, (house, land and buildings with permission to convert to residential), I am unable to raise capital due to the fact I cannot afford any further repayments to anyone. I complained to the FOS about my bank and the bank told them that `due to the passage of time`, they didn`t have many of the necessary documents and so the FOS ruled against me, and so the bank started repossession proceedings against myself, I submitted a defence and counter claim, (which was done by my then barrister) and the judge agreed I had a valid defence and that the matter should go to trial. As part of the banks disclosure, I was astounded to receive many of the documents the bank had told the FOS they didn`t have `due to the passage of time`, I therefore complained to the FOS again on December 5th 2014, at the end of December I still hadn`t heard anything from the FOS so telephoned them and they told me they`d sent out an acknowledgement letter on 11th December which I hadn`t received so they e-mailed it to me. As I hadn`t heard any more by 10th January, I rang them again and they told me that I hadn`t sent them my banks `final response` letter, I thought the fact i`d submitted one previously and the fact they were taking me to court was sufficient, but they said no, as I`d added a further two complaints wherein my bank had discussed my personal and private financial situation with two third parties without my permission, that I needed to submit a further `final response` letter, and that I should contact the bank and ask them for a final response letter and also a stay in current proceedings, I wrote to the bank and they replied from one of their representatives in India, calling me a liar basically and saying they didn`t believe my claims and that they were continuing with their repossession proceedings and wouldn`t agree to a stay in proceedings. I sent their letter to the FOS and they have written back saying they have received my letter and it has been put with my file for review and will be dealt with in date order :/ Which really isn`t much help for the repossession hearing for the end of next week! I have been told now that I should complete an N244 form, requesting for a stay in proceedings until the FOS is completed, I spoke to the court and they told me to keep details on the form brief, and therein lies another of my problems as I have been treated so badly by the bank I could waffle on forever, could anyone give me any advice on this situation and how I could word the detail on the N244 form please? The hearing is scheduled for the end of next week and so it now looks like I`m doing everything at the last minute when in reality, it is almost two months since I contacted the FOS, long before I got the trial date, and I just don`t want the judge to think i`m trying to put matters off as I believe I have valid cause for complaint, and also believe I should have the benefit of an FOS investigation before having to spend a fortune to go to court...I no longer have a legal representative as I simply cannot afford one as this whole farce has cost me £200,000 and financially ruined me :tinysmile_cry_t: Please can anyone help or advise me? Thank you

Repossession hearing whilst ongoing FOS complaint is in place, please help?

CCJ from Lowell

Hello, this is my first post, so thank you in advance for any advice any one can give me.

I checked my credit file this morning and there is a CCJ there that was issued on the 30/12/14 for £4400. I did not know what this was for and had not received any papers from the court as they were sent to an old address, so I phoned the court bulk centre and they said the claimant was Lowell. Looking on my credit file, there is a default from Lowell that is dated 19/02/2009 for £4200, so I am assuming that this refers to the same debt. Now I am not fully aware who the original creditor was and what the debt is actually for, but during the start of 2008 I went through a lot of personal difficulty and stupidly stopped paying all my debts and ended up in a terrible mess over all this. So I am 90% positive that the debt will have been statute barred by the time they claimed the ccj, even though a default was not put onto the account at a later date. How would I be able to find out the last payment date that I made and everything, so that I can now apply for the CCJ to be set aside on the statute barred defence. I am sure that it would have been statute barred by the time Lowell took me to court, but I want to be 100% as I cannot afford to pay the £155 fee for the set aside forms to be wrong.

Thankyou again

CCJ from Lowell

Hi Everyone!

Hi, I just wanted to say `Hi!` as I`m new to the forum today but have been very impressed with reading how helpful people are on here and very pleasant! Brilliant site, look forward to chatting with some of you in the future :-) xx

Hi Everyone!

Solicetors Letter received - Drydensfairfax

Hi All,



Back again, after successfully stopping Cabott and their solicitors in their track a few months ago, I have now receieved a seperate claim for a seperate debt, this time from Drydenfairfax representing Capquest. They are claiming in the letter that



1) They have received instruction to issue County court claim

2) Its not too late to stop the claim from being issued



Question is - do Drydens normally follow this through? If so I guess now is the time to hit them with request for information letters?



Any gudence would be appreciated

Solicetors Letter received - Drydensfairfax

Bishop v Chhokar [2015] EWCA Civ 24 (30 January 2015)

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Bishop v Chhokar [2015] EWCA Civ 24 (30 January 2015)

gross misconduct allegation

Hello,

I have been suspended from work pending a counter fraud allegetion into the claiming of travel claims not eligible to me. My work diary is not maintained and therefore does not corelate with the claims made and i cannot therefore prove my whereabouts. There was no intent to do any wrong but I cannot prove that as there is no record. Is lack of organisation and poor maintenance of records a suitable defence?

gross misconduct allegation

Re S-W (Children) [2015] EWCA Civ 27 (30 January 2015)

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Re S-W (Children) [2015] EWCA Civ 27 (30 January 2015)

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Unfair staff discount policy

Hello, I'm just wanting to know where my employers stand on this subject.

I work in a clothing store and we have privileges such as a discount of clothes,

our employer has unofficially notified us of a change in our staff discount procedures over Facebook.



Our manager said to us that whatever we buy in store or online we have to hand in our original receipts for their records and they will provide us with a copy. This includes online purchases not bought in store.



Our manager has also said to us that we can only purchase items outside of certain times for our store only whether we are working or not.



can they legally hold our original documents (receipts)? And can they legally notify us of changes in our employment such as staff discount without providing us with written warning seeing as it would be a considerable change?

Unfair staff discount policy

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