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  1. Hi all, My dentist seems reluctant to offer caps/crowns on my teeth even though I'm in pain, Practically all my teeth have worn down over the years, I estimate that I have lost 2/3 mm off all my teeth. It started when I had a bridge fitted that was made incorrectly; then rather than get it corrected he filed the top off a perfectly good tooth that the cracked and had to be extracted . Question is can I get crowns fitted free, to help make my mouth more comfortable. My dentist seems to think not and wants to charge £1000s to put it right Regards Ken
  2. Hi thanks for the info, I'm still struggling, I have a letter of discharge so discharge was one calendar year of bankruptcy. What is confusing for me is that there are notices of default with the CRAs that are after the date of my bankruptcy but before I was discharged. I was under the impression that default notices can't be issued after the bankruptcy date. I could do with some clarification on this if possible. I have written to the CRAs and they tell me it is up to the client (My Creditors) to add remove entries. However if those entries should be there how can I bypass the (creditors and insist the CRAs remove the entries? Sorry if I seem a bit hapless it is worrying me as the years are creeping up on me and I don't want any issues on my credit report should anything happen to me. Thanks again Kind regards Ken
  3. Yeah it’s part of the contract but they separated it to loan and service after the bankruptcy Hi, do you mean independent voluntary arrangement as opposed to bankruptcy?, as all the debts were included in the bankruptcy
  4. Hi Andy, I applied online but was required to go to court and and give them relevant paperwork and feel All my credit card card debts for three cards no longer show, just O2 for "loan" and outstanding amount for service charge, I disputed this at the time as I was able to pay the service charge monthly call charges if you like, but they refused and disconnected my number as they pulled the plug i didn't consider that I was liable for any future charges. FGA have just today renewed the entry on equifax, the CRAs should Chase this in my opinion as it appears to me to be a false entry.
  5. Hi all, spent the last hour navigating round the site for answers forgive me if this is the wrong place to post this enquiry. In October 2014, due to ill health and having to give up a very well paid job, I couldn't satisfy my debts, before illness I could easily afford car payments etc. I was advised by my IFA that bankruptcy would be the only way forward. March 2015, I went through the process of declaring myself bankrupt, a very soul destroying process I have to say. I recently had occasion to check my credit score through Transunion, Equifax and Experian, and find that most of my old debts have disappeared from my report apart from 2 from O2 and one from FGA (for car loan), They appear to have issued continuous default notices and renewing the entry every year. The first default notice from FGA appeared 2 months after the Bankruptcy, and the notices from O2 7 Months after, I have written to FGA twice and have had no reply and O2 want a certificate of Discharge which cost £70, something I can;t afford. I've been trying for weeks to resolve this an getting nowhere, can anyone help please
  6. Hello all, I bought a prepaid funeral plan from Pride Planning Trust through Prosperous Life. I had a call from Pride Planning today saying my plan had been discontinued and did I want to upgrade for and extra £500. I refused saying we had a contract between us and now you have breached the contract by informing me that my plan has been discontinued. They offered to cancel and give me a full refund, without interest. Can anyone offer me some advice and how I stand legally? Thanks Ken
  7. Hi All, Just a little advice please. I had a works pension that was frozen some 8 years before I got married. My wife and I are going trough divorce and she seems interested in some of this pension. Question is as the pension was paid into and frozen before we married is she entitled to some of it? I am retired and disabled and claiming pension credit + enhanced PIP and Enhanced Mobility. the pension she is looking to have part of pays £42.27/Month She is 58 and due to retire at 67. She has a work p\lace pension and she earns around 1,500/month her new partner earns about the same. wondering also if I am entitled to Spousal award, not that I want to claim any of it, just use it as a lever to get her off my back. Thanks in anticipation Ken
  8. Just a quick one whilst following this thread, I had a similar letter, however I was declared bankrupt in March 2015, I knew nothing of this debt, However I was aware that my estranged wife was claiming some 10 years ago. Because of the bankruptcy am I still liable for the debt, note, the debt wasn't on the list of creditors as I knew nothing about it. Regards Ken
  9. Hi all, I'm a little bit confused, possibly an A.G.E. thing, and I can't seem to find any answers here, again, possibly an A.G.E thing I have a very small fund with an occupational pension, it will pay £54 P/A, or if I take a one of Small Triviality Payment the amount would be £1,448.05 less TAX of £217.20 making a total £1,230.85. I am Claiming Pension Credit of £740.00/4 weekly, and two other pensions one pays me £42.15/month the other £80.77/month. The are notes in the paperwork that refers to:- * Lifetime Allowance declaration * Percentage of standard lifetime allowance that the total benefit taken represents Also I don't have a big enough private income to attract inland revenue payments, even with the cash sum I could take, question will I still have to pay tax on the amount? any help would be very much appreciated Regards Ken
  10. Hi all, I've tried searching for an answer, however I can't find anything definitive, so here goes:- as I understand it,the NCD is for the person, I say this, as if you have an accident you (the person) lose your NCD regardless of what car, van, lorry (unless you have a protected NCD, or would affect your NCD Also reinforced by the fact that if someone driving your car on a TP insurance on their policy, you don't lose your NCD. now, then, if the NCD is for the vehicle and not the insured owner, why, when you change your car do you not have to start the NCD process all over again. The whole insurance industry appears to be one big [problem]. I'd really like someone to explain in simple terms what this is all about......Or if you believe that car insurance should be for the driver, maybe lobby the insurance companies to be realistic and sensible......Is this legal even. Why should I, a driver with no accidents or claims should pay £195/year for the car I have now, but a second car would cost me nearly £1k. I shan't be driving the two cars at the same time, and whatever car I wont be driving will be locked up securely Comments explanations would be very much appreciated. is there some way I can get a better fairer deal?? Thanks all Ken
  11. I did try to deal through my insurers, however they wanted me to pay the excess and then claim it back from the third party; on advice I approached the third paty insurers who handled the claim very quicky, all done and dusted within 3 weeks
  12. Wow, quick reply, thank you so much, I think I'm being pressured into using these people, I'm thinking maybe a letter to the third party's insurers may be a better option, they seemed to want move things on quickly without fuss Kind regards Ken
  13. Hi All, I had was involved in a RTA back in January; happy to say not serious and not my fault. Third Party admitted liability, so I made a direct claim to their insurers, who promptly arranged for repairs to my car, arranged a hire car, and paid out a sum to my passenger in injury compensation. I didn’t make a personal injury claim at the time as I didn’t experience any effects that I could attribute to the accident. However just about a week later I did experience a stiff neck and shoulder pain, also pain down my arm, I knew that it must’ve been as a direct result of the accident, but I was under the impression that I would be out of time to make a claim, so I put it down to experience and forgot all about it. I had a call recently from an accident claims specialist who said that the insurers put aside an amount for injury compensation, I did explain that I thought it would be too late, however the guy was very persistent, so I agreed to make a claim through them. I was passed on to their legal team who took details. I then got this letter from them via email, however something appears to be “Not Quite Right” :- “Dear Mr Murphy Re Your Accident on 29th January 2015 Please note as requested, we have arranged After the Event legal expenses insurance to cover you throughout this case. On the information currently available to us, we believe, that a contract of insurance with AmTrust Europe Legal is appropriate to cover your opponent’s charges and your own disbursements in case you lose. What this means is that if your claim is unsuccessful, the insurance then takes effect to protect you, as previously discussed the premium amount is deferred and costs £350.00 which is payable by you upon conclusion of your claim as it is no longer recoverable from your opponent since the government changed the rules with effect from 1st April 2013. If you lose the premium is still not payable. Full details are contained in the insurance policy documents. It is generally this type of cover which we recommend; we do not have any financial interest in recommending to you AmTrust Europe Legal. We only select from a limited number of insurers for After the Event legal expense insurance contracts but we are not contractually obliged to conduct our business in this way. You can ask us for a list of the insurers that we use. Yours Faithfully” Shall I tell them to go do one, or do think it’s OK Thank for your help Ken
  14. Thank you king these are my thoughts also. I'm also feeling that as I'm in no particular hurry for settlement, that I could perpetuate this to stack up legal cosst on his part
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