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  • Andbrismith's Avatar
    Today, 07:38:AM
    Thanks for the replies. I'll get this sorted. What's my next move?
    6 replies | 185 view(s)
  • Debt Camel's Avatar
    Today, 07:35:AM
    So the estate is being offered a large lump sum to correct the underpayment of pension? I am guessing here, I haven't seen a case like this. It may be that basic rate tax would be deducted from that amount so you would have to try to reclaim...
    2 replies | 60 view(s)
  • xs2man's Avatar
    Today, 07:35:AM
    Ok, so I have edited now to read like this:
    31 replies | 4190 view(s)
  • Debt Camel's Avatar
    Today, 07:27:AM
    What is your timescale for applying for a mortgage? Do you have a default for this catalogue showing on your credit record? Was the the first letter you have received about this or have you been ignoring them?
    2 replies | 65 view(s)
  • Debt Camel's Avatar
    Today, 07:24:AM
    I would be surprised if you were awarded much more than £100 by the financial ombudsman for this sort of issue. VW have corrected the problem promptly. There is no clear monetary value that you have lost. I would expect the credit card provider...
    1 replies | 59 view(s)
  • Debt Camel's Avatar
    Today, 07:17:AM
    If you were talking to customer services this often doesn't work well for credit ratings. I suggest moving to correspondence by email or letter. There is no need to issue a default notice before a default is added to your credit record, default...
    3 replies | 53 view(s)
  • Debt Camel's Avatar
    Today, 06:56:AM
    CCAs and Default Notices don't apply for mobile phone debts.
    1 replies | 48 view(s)
  • vb3d's Avatar
    Today, 06:52:AM
    Hi all, I was wondering if we can get volunteering solicitors to represent people who get PCN's. I guess if those car park companies get the same solicitor name(s) representing and appealing against lots of their tickets, things might change,...
    0 replies | 19 view(s)
  • Debt Camel's Avatar
    Today, 06:46:AM
    Yes. With a car near your house on the public road it will be the first thing the bailiffs go for. (I am assuming the car is in your name, ie it's not on HP or any other sort of car finance.) That is correct, but it applies to a lender...
    7 replies | 129 view(s)
  • enaid's Avatar
    Today, 04:42:AM
    Hi and welcome, must admit I am a little confused. You say all the info was correct at the initial assessment and this included entitlement to her husbands pension, was she actually in receipt of the pension and was it included in the assessment?...
    2 replies | 60 view(s)
  • Greenweb's Avatar
    Today, 01:11:AM
    I came to know about it late 2013. Is it now too late? I am still making small payments to them every month. They did not take any enforcement actions. I am mainly concerned about loan entry on my credit report as that is causing main damage...
    3 replies | 53 view(s)
  • Diana M's Avatar
    Today, 00:30:AM
    When (how long ago) did you find about the CCJ? An application for a set aside needs to be done promptly. Also have NatWest taken any steps to enforce the CCJ since 2012? You've said there around £7k outstanding. Di
    3 replies | 53 view(s)
  • Greenweb's Avatar
    Today, 00:20:AM
    Hi, I took out loan from NatWest in 2007 and I could not make payments from 2008 onwards. I agreed payment plan for all my debts in 2009 and started making reduced payments. I missed few payments in 2012 and NatWest filed for CCJ. Debt was...
    3 replies | 53 view(s)
  • Funnyman21's Avatar
    Yesterday, 23:56:PM
    Hi, I received a claim form letter on the 27th April 2017 dated 26th April 2017 from NORTHAMPTON COUNTY COURT BUSINESS CENTRE. Looks like a photocopy and is signed in print (not handwriting) Claimant is: LOWELL PORTFOLIO I LTD Underneath...
    1 replies | 48 view(s)
  • R0b's Avatar
    Yesterday, 22:28:PM
    I wouldn't say 'red' marker but state a default marker has been placed on your credit report, which has an adverse which has overall reduced your credit score. You need to suggest why it is unlawful, in this case it is a breach of Principle 4 in...
    31 replies | 4190 view(s)
  • Rhoddersdavies's Avatar
    Yesterday, 22:07:PM
    When I took out the car, I was asked to see how much I owed, I phoned BMW finance from the dealership who said the car could be returned as 50% had been paid. As a result I bought the new car. The car I VT'd was pristine and had 4 new tyres and...
    4 replies | 135 view(s)
  • R0b's Avatar
    Yesterday, 22:01:PM
    R0b replied to a thread BMW excess mileage in Have your Say
    You could have an argument about misrepresentation if you were persuaded to VT and take out a new car on the basis that excess mileage wouldn't be charged. If your father was there at the time who can testify to this then that could make your...
    4 replies | 135 view(s)
  • no1 nut's Avatar
    Yesterday, 21:55:PM
    mw mother died 8 years ago and at the time was in receipt of pension credits. All the information at the time of the assessment was correct. One element of her income was a pension entitlement from her husbands company pension. I have recently been...
    2 replies | 60 view(s)
  • Diana M's Avatar
    Yesterday, 21:55:PM
    Who was the original creditor (before Capquest)? Di
    73 replies | 1793 view(s)
  • xs2man's Avatar
    Yesterday, 21:10:PM
    So, I see someone else on her is going through a similar thing, albeit with substantially less excess mileage it appears. None the less, the advice and letters will be similar. As a result, I have just put this letter together. Any help on the...
    31 replies | 4190 view(s)
  • Rosie10's Avatar
    Yesterday, 21:08:PM
    Sorry just sent more paperwork from police
    75 replies | 1607 view(s)
  • Rosie10's Avatar
    Yesterday, 20:54:PM
    Think I have sent you everything, the crime report has a mistake regarding dates, I do have more paperwork from the police but think it basically states the same. - - - Updated - - - Yes I'm sure my ex would be fine regarding the witness...
    75 replies | 1607 view(s)
  • xs2man's Avatar
    Yesterday, 20:42:PM
    Ok, So it has been a while. I noticed they have the marker against my credit file, and it's stating that the payment is now upto 6 months late. I am just about to draft them a letter, basically giving them 14 days to remove all unpaid markers...
    31 replies | 4190 view(s)
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