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About Philx

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  1. You certainly did. I know your not financial advisors . May I put the question another way ? Is investing in a house still worthwhile at this time ?
  2. I’ve been in hospital for a while and have sorted my finances a couple of months ago. I still have a floating £10k which would pretty much pay the mortgage off.Would that be an advantage I’m guessing not but what do you suggest ? I never been a major contributor to this site but when I joined I was close to bankruptcy. You helped me claim back a fortune on PPI before most people understood what it meant. a good time to say thanks.
  3. I’ve been off work for a year. Thankfully I have an all encompassing interest in the news particularly in the possibility of a recession. It’s been bubbling in the background . The last couple of weeks I have had word from a couple of friends in two of the biggest banks that we are very close to a huge meltdown. Many suggesting Trumps dispute with Deutsche Bank could be the tipping point. Has anyone heard similar ? If there is a problem what would an average investor do ? Some have suggested buying into Gold but I don’t want to be lumped in with the tinfoil hat brigade. i would consider this a serious question. I predicted Trumps win, the Brexit result etc. I am concerned. Any feedback whatsoever would be appreciated.
  4. I have had various phone calls from DPD customer services they track their drivers. Have confirmed driver delivered parcel to wrong address. My daughter has been taking advantage of Black Friday week and has put a lot of orders through ASOS. DPD have them all down as refused by customer. With their tracking they have worked out the same driver is responsible and have evidence he does not even enter our road ! They have apologised profusely yet still it carries on. They cannot get through to the local depot and escalate the issue. Customer Service have admitted there is nothing they can do. DPD have a complaints form but all that happens is the same performance. Over the years I have worked in retail stock loss, transport and customer service and I have never come along such a Kafkaesque situation.
  5. Our family do a large amount of online shopping, to the point we know the names of most of our drivers. Two weeks ago DPD claimed to have delivered a parcel. When investigated it was signed by a Smith ! No one in this road is called Smith. I sent an email to the company I had purchased from and they said they would investigate. The next day a belligerent DPD driver turned up with a notepad and told me there was a serious incident at our house. I was initially calm and said clearly it had been delivered to Smith. I found this amusing ( parcel was worth £34.97) he said as we were a security risk we could get banned. I laughed again which clearly agitated him. He then accused me of being dishonest. I pointed out the same day DHL had delivered a parcel for £235 and if I was dishonest I would have had that one. He claimed the police could be involved , by then I lost my patience told him he had no right to commit an arbitrary investigation and told him to remove himself from my property. After all that I have found out DPD have blacklisted us. The only contact we have had from DPD is this driver. As their is a National Helpline the operators cannot explain why we have been blacklisted. Absurd. Any suggestions?
  6. Philx

    My Stroke Mismanagement

    Was told in hospital that if I was given the appropriate medication within 3 hours I would have been home within 2 days
  7. Philx

    My Stroke Mismanagement

    I even have a copy of the discharge letter from the morning.
  8. Philx

    My Stroke Mismanagement

    Well clearly if I had been seen to promptly I reckon I would of be in a better situation than I am now ( partially disabled) I was very fit and had none of the problems that normally preclude a stroke. Ironically when I was in Wheelchair waiting for Triage I was in front of one of those dramatic Stroke posters. I want to stop it happening to anyone else and obviously this is going to cost me a lot of money so compensation. It bothers me that if I did receive compensation it would take money away from the NHS but when you see their budget .....well.
  9. I had a Stroke about 5 weeks ago it started at 11:00am , admitted to A& E approx 12:00 pm sat on trolley for about 2 hours. Some very simple tests were carried out . I was discharged. Felt disoriented and tired , went home . Had no idea what was going on. Became progressively worse. By about 7pm my daughter drove me back to A&E. I could not get out of car, she rushed in telling them I was having a stroke . They gave her wheelchair somehow I got in and she wheeled me to Admissions Desk. Told them I was having stroke. They told us where to sit so Triage could check me. My daughter noticed I was in low priority section. Eventually seen. Laid in trolley on ward upstairs and was finally seen at approx. 3:00am and finally taken down to Acute Stroke Unit 14 hours after Stroke occurred. Thoughts please.
  10. Thanks for advice chaps. Phoned them up told them the full story. They have halved the mortgage for two months and then it will be reviewed again. Told them how bad I felt. One of the comments was "clearly its not a terminal financial situation as you have coped (with occasional difficulty) for two years. Seemed sympathetic. I am happy enough with that for now. What do you think ?
  11. OK thanks a lot. Will report back.
  12. Thanks for the quick response. So there is no danger of putting the mortgage/house in danger ? What if they ask why I didnt tell them earlier ?
  13. Evening I will try and be brief. About 2 years ago my wife walked out on myself and my 21 year old daughter. I am working and am on a reasonable salary while daughter works 30 hrs a week. When we brought our house (which is in good positive equity) it was under a Joint Mortgage. My wife is now overseas and for my daughters sake we have kept things amicable. Since then we have been scraping along justs about keeping bills under control. The mortgage company is unaware we are seperated and sometimes I have been unable to make payments. I have used all my payment holidays up. Its starting to come to a head. I will not be able to make this months payment and probably not next months. I am planning to phone them up tomorrow but am not really sure how to explain why I cant pay.For many reasons selling the house is not an option. Do I tell them the real reason why I cant pay and that will jeopardise my mortgage. The reason (amongst others) I am hanging on is that in a couple of years time I am due a share payout which will definitely tide us over for a couple of years. Any suggestions would be appreciated.
  14. First loan was 2006 extension 2007 , claim was put in late 2010 payment eventually received early 2011. I notice in Firstplus letter they declare by paying me they do not accept they are at fault it is "a gesture of goodwiil"
  15. Morning Thanks to the support on this site I won two considerable rebates from First Plus ref PPI. Probably about 5 years ago . Recently I have received two letters from a company called CT Capital saying that I am still owed further money from First Plus and they are prepared to pursue the claim for me. Now Im assuming its a bit of phishing so Im probably answering my own question. Does anyone know any different ?
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