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About Viking_Raider

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  1. It'll be me - he just wants the job. He's happy for me to do it though. This is the reason that they get away with this stuff - it makes me fume.
  2. Hi all - been a long time since I've posted on here - yet another friend that's asked for advice from me, so I thought that I'd better check with you guys. I have a friend that's been unemployed for some time and, finally, managed to get a supervisors job at a Martin's newsagents. Whilst discussing the job with him it became apparent that the company seems to breaking a whole raft of employment laws. He gets paid £6.40 per hour (he's over 21, so that is, theoretically, 20p more than the minimum wage). Several times per week he has to work from open (6:00am) to close (7:00pm) for whic
  3. I had my phone with Bell Cable Media for some time. Their accounting software was so rubbish that, every so often, they would credit my cable TV account (which I had long since stopped) instead of the phone bill, and then cut off my phone for non payment. After the third time, I got fed up and went back to BT. Thing is, this was during the time when all directory enquiries were done by BT - BT would charge Bell Cable Media at the end of the month, and the charge would come through the month afterwards. So a month after I had the "final" bill, I got another one, for 25p..... in a lett
  4. Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).
  5. [ATTACH=CONFIG]39690[/ATTACH] Hoping that you guys can help us here - I have a very good friend who iscurrently on Incapacity Benefit (although this is about to be changed to IncomeRelated Support Component of ESA - whatever that is). She a lovely lady,currently suffering with cancer, so she's in and out of hospital. It also means that she's absolutely on her uppers. She has been only just able to keep up with the rent and the bills,unfortunately her council tax hasn't been paid. She received a letter, from the council, saying that they were taking her tocourt for non payme
  6. OK, this might be a bit complex, but bear with me..... My mother in law owns her own, ex-council, flat. It is on the second floor of a three floor block. She has a "warm air" heating system (old, but still working fine). She had a Gas Safe engineer out to service her boiler three days ago. The boiler was fine, but (when he used a smoke bomb) it seems that there is some sort of obstruction in the flue - so he had to cap the gas to the boiler - so we now have a partially sighted 76 year old pensioner with a heart condition and no heating or hot water! The flue passes through the flat a
  7. Just to explain - Caevans is my partner and she's asked me to comment about the current situation. Right - last week they took £50 out of her account putting her just over £6 overdrawn - this week the income support came in - and they took it all again and put her back into overdraft. They've ignored the letter of appropriation (twice now). The poor girl has been left with no money at all - everything is being taken up with these bank charges. We've got her to open up a parachute account - but the DWP is still paying her money into the Abbey account - where it's going to feed the ban
  8. Can anyone help with this? Is the bank correct about the age that appropriation letters work?
  9. Seems to be the way that they work - they have the book.
  10. No book - the collector had one, that's all Seems a bit of a loose area, this. What would happen if the collector didn't hand on the money? How could you prove that you'd paid? I would assume that the collector would be acting as the lender's agent and, therefore, as soon as the money is handed to them it's the lender's problem to get the money out of their collector.
  11. Hope you can help with this.... A friend of mine got a loan from Greenwood (which appears to be part of Provident). She finished paying for it with a single payment of £80 - and the collector said "well, that's you paid off, I won't be seeing you next Friday!". Nothing's been heard from them since (the collector never appeared again) but she received a letter from BC&W this morning claiming that she owed just over £80 to Provident. She intends to just completely ignore it - is this the way to go?
  12. You suggest letter "N" as a start then? I was thinking of putting some "I don't actually live at this address, it is only a contact point for correspondence" or something like that.
  13. I did have that thought myself - however, I would like to get this cleared up - at some time in the future I intend to rent a place of my very own (as opposed to living out of boxes) and, apart from the fact the serious negative credit scores might preclude my renting somewhere, if I did manage to get a place in my own right I'd probably end up getting all of this at the new addess.
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