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In 2015 the financial ombudsman ruled in my favour that I
in 2015 the financial ombudsman ruled in my favour that I had been mis-sold a car by renault. they ordered them to reimburse all monies paid, plus compensation, and the removal of any adverse credit f… read more
F E Smith
F E Smith
Bachelor's Degree
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Vodafone have registered a default against my company for
Vodafone have registered a default against my company debt that is not due. This was done without notification and when the debt was and still is clearly disputed. I need to get this default removed a… read more
Maverick
Maverick
Doctoral Degree
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I want to end my mobile phone service agreement with O2 "Telfonica".
I want to end my mobile phone service agreement with O2 "Telfonica". They say they will charge me an early termination fee of over £500. However, the contract clearly states that no fee is payable in … read more
Jo C.
Jo C.
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Master's Degree
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Hi my situation is fairly straight forward i have recently
Hi my situation is fairly straight forward i have recently had the ombudsman rule in favour in a mainly ppi and other issues with halifax in which halifax were told to reinstate insurance for the peri… read more
James Mather
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After two years being unemployed - and my bank writing to say
After two years being unemployed - and my bank writing to say "bank elsewhere" - I suffered the usual problems associated with being chased by creditors. I managed to get re-employed Oct 2010 at a low… read more
Jo C.
Jo C.
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I have a default on my credit record that was settled in 2007
I have a default on my credit record that was settled in 2007 after a default was registered. I have spoken to the company and they said that they took over from the company who previously owned the d… read more
Daniel Smith
Daniel Smith
Bachelor's Degree
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Hello, I have tried to take LLoyds-tsb bank to court.This
Hello, I have tried to take LLoyds-tsb bank to court.This relates to bank charges,what happened was on the day that the direct debits were due I didnt have funds available so on the day I paid the mon… read more
Jo C.
Jo C.
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My husband entered into an agreement with a credit card company
My husband entered into an agreement with a credit card company 8 months ago, which we have honoured on-time every month. We were upfront with them that we did not want it to negatively impact our cre… read more
Thomas Judge
Thomas Judge
9,980 satisfied customers
Hi, Ive recently been contacted by a debt collection company
Hi, I've recently been contacted by a debt collection company who state that I owe money to them - they stated that the debt was sold to them in 2006. This does not below to me - however they have now… read more
Jo C.
Jo C.
Barrister
Master's Degree
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I had 2 student loans in 1990 and 1995. No communication has
I had 2 student loans in 1990 and 1995. No communication has been made for more than 6 years and I believe it is statute barred. Since April last year a debt collection company has been sending letter… read more
Jo C.
Jo C.
Barrister
Master's Degree
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I recieved a Letter from a Baliff stating that he had been
I recieved a Letter from a Baliff stating that he had been round the House but no one was in & that he would be returning in 48 Hours to collect either the amount owed or Item/Vehicles to the amount o… read more
Alice H
Alice H
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Bachelor's Degree
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Allied international have registered a default notice on my
Allied international have registered a default notice on my credit file having bought the alleged debt from Halifax Cetelem with whom I was in dispute. They had attempted to do this in 2005 but had to… read more
UK-Justice
UK-Justice
Master's Degree
11,008 satisfied customers
My landlord has businesses registered at the property I am
My landlord has businesses registered at the property I am renting. I haven't got bad credit and neither does my partner. However she has been turned down by a building society to open a current accou… read more
Jo C.
Jo C.
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I believe my credit report is incorrect as an entry from Bank
I believe my credit report is incorrect as an entry from Bank of Scotland equipment Finance shows as £7,274 o/s (27 paid out of 60 payments) comm 29/10/2007 payable as £220 mthly.This amount does not … read more
Jo C.
Jo C.
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Master's Degree
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I have a ongoing sarga with a company called 1st credit ltd.In
I have a ongoing sarga with a company called 1st credit ltd.In brief I found out that they registerred a default notice against me. I had no recolection of any debt so i wrote to them requesting a cop… read more
Jo C.
Jo C.
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British Gas have registered a Default against my name when
British Gas have registered a 'Default' against my name when they know why the alleged outstanding sum remains unpaid - which is because they opened 2 accounts for gas and 2 accounts for electricity. … read more
Jo C.
Jo C.
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Master's Degree
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O2 claim that in July 2002, I stopped paying a mobile phone
O2 claim that in July 2002, I stopped paying a mobile phone account. In October 2002, O2 claimed to have closed the account leaving £76.66 outstanding. In December 2008, O2 passed the account to a cre… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,376 satisfied customers
WHAT CAN I DO IF A COMPANY HAS REDUCED A DIRECT DEBIT PAYMENT
WHAT CAN I DO IF A COMPANY HAS REDUCED A DIRECT DEBIT PAYMENT WITHOUT MY CONSENT AND REGISTERED ME WITH EXPERIAN IN DEFAULT OF PAYMENT AND DESTROYED MY CREDIT FILE THANKYOU DEAN SILK.… read more
lawsolved
lawsolved
Bachelor's Degree
1,484 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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