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nmp

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About nmp

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  1. Hi there I really need some advice. I am a single parent in a 2 bedroom property with 2 children under the age of 5. When I originally signed up to my tenancy agreement it was for 3 years with no break clause (yes stupid I know) Since moving in I have had problem after problem with damp and condensation. It has wrecked all my clothes and now my children are affected. The agent who is responsible of the property have failed to resolve the problem and I have email correspondence and photographs of the problems. I have asked them to cancel the agreement early and they are te
  2. Hello there... My story is a bit long winded but I will try and make this as brief and descriptive as I can. I have been on ESA since July. For the past year I have been suffering from severe depression, acute panic/anxiety attacks and self harm etc. I have been working ever since the age of 16 and only in July I had to give up work because my conditions were just getting worse. I am under the care of my GP, community mental health team and counsellor. After being on ESA for a few months I was sent an appointment for a medical with ATOS. I have just heard today that I failed my assessm
  3. Dear all....I came across this in the BBC website today.... I am currently contacting my creditors asking them to provide me with a copy of the CCA - it seems that this will no longer work??? Any help / advise would be good... Banks have won a partial victory against some credit card customers who have been trying to avoid their debts. A judge at the High Court in Manchester has upheld that card companies need only provide a "reconstituted" copy of the original loan agreement. It confirms that banks can still enforce debts even if the original agreement has been lost or destroyed.
  4. Dear all....I came across this in the BBC website today.... I am currently contacting my creditors asking them to provide me with a copy of the CCA - it seems that this will no longer work??? Any help / advise would be good... Banks have won a partial victory against some credit card customers who have been trying to avoid their debts. A judge at the High Court in Manchester has upheld that card companies need only provide a "reconstituted" copy of the original loan agreement. It confirms that banks can still enforce debts even if the original agreement has been lost or destroyed.
  5. All, I need some help! I have been renting a flat for 4 months and to be honest it has been a nightmare. There has been one problem after the other. The property is managed by the letting agent. first of all - there were mice. Letting agent told me that I needed to deal with it myself and but mice traps - which of course I did. a number of weeks went by and still had mice. Then the heating broke down for about a week! Took a week to fix! A new boiler was finally fitted - now I cant use more than one hot tap at once in the whole flat!!! Then now there is a problem with the shower
  6. Welcome Finance are a bunch of cowboys seriously just dont pay it! it will be wiped off the credit file in 6 years (thats if it even gets listed on the credit file) Also, I think your son should request sight of the signed CCA. (WELCOME NEVER KEEP RECORDS OF ANYTHING) gOOD LUCK
  7. Hi Guys Wonder if there is anyone who can help me! I travel a lot and have a halifax current account! Everytime I use my card whilst I am away I am charged a fee of about 1.50. I have travelled so much and used my card and paid halifax heaps of these charges! Is this really right? Can I not do anything about this? Anyone have any ideaS? Nic
  8. so is there any way of clearing your credit file and starting again? I cant get anything in my name at all?
  9. I also need some advice about the CSA and I am not quite sure who to ask! There doesnt seem to be any support groups out there at all. I dont know if any of you have ever had to deal with the CSA as the "non resident parent" but I have to say - its absolutely awful. When I say awful - I mean dreadful. I have been paying child support through mutual agreement between myself and my ex for the past 7 years. All of a sudden out of the blue I got a letter sent to my employer (then delivered to me from the HR department - how embrarssing) saying that I needed to fill out forms because my childs moth
  10. I also need some advice about the CSA and I am not quite sure who to ask! There doesnt seem to be any support groups out there at all. I dont know if any of you have ever had to deal with the CSA as the "non resident parent" but I have to say - its absolutely awful. When I say awful - I mean dreadful. I have been paying child support through mutual agreement between myself and my ex for the past 7 years. All of a sudden out of the blue I got a letter sent to my employer (then delivered to me from the HR department - how embrarssing) saying that I needed to fill out forms because my childs moth
  11. I wrote a letter requesting a CCA for my Barclays account that is £2k overdrawn. My account was always a basic account and never allowed me to go overdrwn! not even by £10! I have just got a letter from BArclays saying that they dont need to provide a CCA and have given me a copy of the terms and conditions of a "bank account" My account was a no frills account - they were the ones that let me go overdrawn. I thought that this was not possible with a basic account! I thought thats the whol point in having a basic account!!! I really dont know what to say in my reply does an
  12. My claim is in the system. What happens now?
  13. no its actual money not charges. I dont know what to do?
  14. Thanks Scott -Ill wait and see! (if they bother at all)
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