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waccyman

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About waccyman

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  1. Well with the rear brakes making a horrendous grinding noise, a long drive up to Norfolk from Essex and with three kids in the car would you have taken the risk that the brakes may have failed or caused worse damage. As i said i expect some wear and tear but the rear brakes were basically metal on metal and the discs were corroded and damaged from the braking actions of only a few days. Like i said I will go to the dealer and see if i can at least get half my money back.
  2. I know I paid over the top at Kwik fit, but they needed doing that day, didn't want to take the risk especially with the back so bad of driving around and waiting until Monday until the dealer looked at the vehicle. I wanted car fixed asap not wait until Monday and risk any further damage to the car, and considering the dealer told me the car had been checked by his mechanics and they put it through a mot you expect that the breaks wouldn't be so bad, I expect some wear and tear but to have corroded discs at the rear and the pads worn completely down is not very good practice. I will take the
  3. I picked up a 56 reg Vauxhall Zafira last Tuesday 7/02/12, the dealer I purchased the car from did inform me that the O2 sensor needed replacing and that they will be doing it but the car is ok to use. Fast forward to Friday 10/02/12 and I had to take the car into Kwik Fit because the rear brakes were making a grinding noise. I got them to do a free brake check and they discovered that the rear discs were corroded, the rear pads had worn to the metal, the front discs were on minimum and the same with the pads. I informed the dealer and was told that 'Don't let Kwik Fit
  4. My Mother-In-Law split up with her partner a year ago, he moved out of the house which they have a joint mortgage and joint secured loan with First Plus. She is just paying the interest on the mortgage at the moment whilst waiting for it to be sold, she simply cannot afford to keep the property. She spoke with First Plus and explained everything and they agreed to accept £50 a month until the house is sold. Now it seems that First Plus has passed the secured loan onto Red Castle and they have been hassling my Mother-In-Law demanding more money or they will repossess her. She has explained tha
  5. Thanks for the advice guys, letter being drafted as we speak. Thanks for the help.
  6. I have a Jacamo and Premier man account, up to about 3 months ago I had no problem paying the monthly payments. As is life I have had some financial problems the past few months and have been unable to make the regular payments. I have been receiving calls and letters from Relaible Collection. I have spoken to them on the phone and offered to make repayments of £10 per month on both accounts. The person I spoke to on the phone basically told me that they wanted the outstanding arrears paid and that they wouldn't accept a monthly plan. They have continued to phone me but I have not answer
  7. I am currently on long term Incapacity Benefit due to mental health issues and being diagnosed as having BPD. I still live with my parents but do stay with my girlfriend and children at the weekend or when my mental state permits me. Me and my girlfriend having been talking about me moving in with her because it would be nicer for me to see my children more and may be a better enviroment for me. My question is i have no idea who i need to contact in the benefits agency about what to do. My girlfriend gets Income support and child benefit/child tax credits. She also gets housing benefit and
  8. Can anyone advice me on a frustrating situation. My Mum has had a 3 phone for about 2 years now, recently though things have gotten very tight financially for my Mum and she wanted to reduce the monthly contract. She is currently paying £35 per month for the phone and the contract is up for renewal in October 09. She contacted 3 and explained her situation to them and asked if she could reduce the contract to a £20 per month contract (Mainly because i will be paying it for her cos she has to go bankrupt). 3 refused and told her that she can upgrade her contract but can't downgrade it.
  9. I would like some advice about bankruptcy. I myself was discharged from my bankruptcy last month but the questions i have concern my parents. My mother has run up about 25,000 worth of debt, all was ok until my father was forced to retire 2 months ago. Both my parents are pensioners and they only have the state pension, mum's is about £270 a month and Dad's is about £900, once paying for there rent, council tax ( they are getting some benefit help with these 2), gas and electric, phone and various other bills they have about £100-200 month left over. Mum wants to go bankrupt but Dad
  10. I appreciate that at 72 he deserves a rest but he wants to continue working. Dad is old school, i think he'd be happy if he died working, he is one of these guys who goes to work no matter how he feels. Believe me me and Mum want him to give up but he just loves work!!!
  11. Hi there, My father is 72 and is employed as a crane driver. Although he is 72 my father is still capable of climbing up and down a crane everyday and has no physical or mental issues regarding his job. Previously his company have contacted him stating that he is above the companies retirement age and if he would like to continue working can he request it in writing. We have done that and all was fine. That was until yesterdat when he received a letter from his company stating that due to his age they no longer have a position for my father and he is to stop working on the 21st January 20
  12. Hi there, would like some advice about going bankrupt. I currently owe approx £35k to various credit agencies. Originally debts were with Lloyds TSB, Barclays, DAF, HFC but these have been bought by companies such as Horwich Farrelly, BMS Ltd, Lowell Finance, Apex. I have written to these companies stating my current situation ( I am unemployed receiving incapacity benefit because i am suffering from borderline personality disorder which basically means i have depression, stress have self harmed and attempted suicide and am very agoraphobic) so i don't know when i will be returning to work.
  13. Thank you for the advice, it just so scary when they say they are gonna come and take your goods. I will just make sure that they don't gain entry.
  14. Hi I hope someone can advise me because I am going out of my mind with worry. I owe Horwich Farrelly on behalf of HFC Bank £9144.13. I had a CCJ which i was paying but for the past 2 years I have been suffering from depression and stress which has caused me to lose my job and only receive Incapacity Benefit. I had the court contact me and i filled in the relevant N245 form offering a payment of £5 per mth. The court replied to me and told me I had to pay £60 per mth. I simply cannot afford this fee so I contacted the court and the bailiff and he told me to contact Horwich Farrelly. I wrote
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