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Popular Content

Showing content with the highest reputation on 24/03/12 in all areas

  1. 1 point
    To answer one of your questions, the DWP always state in correspondence: “You will be paid the sum of £xx per week, which is the legal minimum on which the Government believes you need to live on.” So, that means that you have the Government's word on it that you literally cannot afford repayments. Creditors can't really argue against that. So, the general rule seems to be that a token offer of £1 a calendar month is sufficient to show goodwill and intention to reduce the debt(s). As for your I&E sheet, bear in mind that if you don't want to, you're not obliged to send a copy to a creditor. Many people forget to add to their I&E things like: Postage/stationery for sending job applications Toiletries (deodourant, shampoo, soap, make up, etc) Travel costs Subscriptions to internet provider, for instance, which is now regarded as a necessity when job seeking (unless your local library provides facilities)
  2. 0 points
    Links replaced and hopefully will continue to work
  3. 0 points
    DSR = distance selling regulations act. You have 7 working days minimum to return any item you ordered online or over the phone, as you need to be able to examine the goods just like if you were in a shop. As they delivered the phone, I assumed you bought it over the phone or over the internet, and as such the DSRs apply Have a search on sites like which or government sites (ending in .gov.uk) for guidance on DSRs and you'll see I'm right, they have to cancel the contract immediately, and it cannot have any strings attached to be able to do this.
  4. 0 points
    Why do you feel badly treated? You forgot your ticket, then later you forgot to deal with the penalty notice by simply sending in a copy of your season ticket. Why should they pay for your mistakes?
  5. 0 points
    Someone/something certainly seems to be watching over those two boys. Amazing that the elder boy got hit by a truck and only sustained ligament damage! Hope they both make a full recovery and go on to lead long, healthy lives. I'm so clumsy I stub my foot on a corner of skirting board and break two bones. Want to hear the punch line? I was dodging round a treadmill at the time of my accident. I'd bought the equipment to get fit and lose some weight, instead I was unable to walk about for months and gained weight instead. You have to love the irony!
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