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  1. Hi, I have just been given formal notification that i am being made redundant. There is an appeals process and i wish to go ahead with that but really have no idea how to proceed and just wondering if anyone can offer any advice or insight into the action i need to take. TIA for any advice/help
  2. Nothing was owing but I called and cancelled. And how long would a default take to correct/remove.
  3. I came to end of contract terms and asked what they could offer me. Eventually after a couple of months just rolling over I decided I did not want to continue and left. On looking at the default and the amount it is I am guessing it's a charge for remainder of a new contract (which I did not renew) however looking at the payments it looks like months of missed payments!
  4. I have recently had a credit search completed for a job i have applied for. The potential employer then came back to me asking me to explain a default on my account??? ran an Equifax search and sure enough there is a default for BT way back August 2011. There is also a record for Lowells. Firstly if i contact BT are they still going to have records of this and secondly after reading everything on here regarding Lowells what should i do about them? My main concern here is the potential employer has given me a short time to sort something out and provide proof i have dealt with matters. Any help much appreciated.
  5. Yeah i thought that but i also know what some of these collections advisors can be like they will tell you black is white and the sky is green if it means they are getting the figure on their screen back and they dont care because they hear that many phony stories they assume every is doing the same!!! I just want to know how to challenge them on it and confirm the right way to do it?
  6. Hi Guys this might require someone with an inside knowledge of DWP going back a few years. My wife went back to work in 2005 after a year out and in her signing off interview the advisor said to her she was entitled to a clothing & footwaer grant and this was subsequently given. Now today almost 8 years later a letter has turned up from DWP collections telling her she has to pay back the sum of money and upon calling they advised it was a social fund loan. This was definately not what she was told and they specifically informed her it was a grant and no other correspondence has ever come to us regarding this and yes we are still at the same address so no issues there. In simple terms what can we do? Surely there should be some paperwork surrounding this after all this time? Really appreciate any help that can be provided on this as with most people these days every penny counts and certainly if it was owed we would pay it back but we do not believe this is the case. Thanks
  7. Hi Guys/GalsWe bought an Argos own brand Fridge/freezer 3 months ago and it stopped working last saturday eventually an engineer came out in the middle of the week and said the compresser has gone and would refer it back to Argos to see if they want to replace or repair. We are still waiting on a decision today so my wife called Argos who informed her that they were still waiting to hear from the engineer but all they would do is refund or allow us to purcahse another Fridge/freezer however we purchased the previous one on a special offer (think it was about £30 off) Im wondering how we stand here should the item not be replaced with either exactly the same model or if not available then an equivalent model at no charge??? really stuck and need a quick answer as we are in limbo without it and really cant afford the extra money they are demanding, Feels like they have us over a barrel.Any help really appreciated
  8. Thanks very much for the advice Flumps i thought as much but it does worry us, I wouldnt mind but he is one of the ones trying to find work but there just seems to be so many barriers nowadays!!! Thanks again
  9. Hi Flumps thanks for your reply. Ok the job was nothing to do with the job centre in the first place although they may have advertised it at some point possibly but my son submitted an enquiry via their online system as we knew the planning for a new build was starting so he was getting his hand in early however they say that the the prospective employer has no record of this and sadly neither does my son. As i said every job he has put down on his job sheet he has applied for but in all honesty the only ones he can confirm are the ones where he got an interview and then a knock back letter, as with most applications these days your lucky if you hear back from 2 in 10. He says that the woman who interviewed him today always seems to be on his back and any time he has asked for help towards courses or any information she has just dismissed him and told him to look at the website. Im not one of these people who foolishly believe my children at every point and take their word as law but i am constantly on his case making sure he is already doing all these things anyway as i know how the job centre can be. The only thing he may be guilty of in Naievty in his approach to that application? where does he stand ??
  10. My Son is currently claiming JSA and has been for a number of months now and despite bending over backwards and complying with everything the job centre have demanded attending the courses that have had no relevance to him at all and turning up for random interviews at the drop of a hat , they suddenly called him in for an interview today. When he arrived he discovered they were investigating him for allegedly not applying for a job he had put down on his job sheet and say that the large employer chain have no record of this. Firstly he has a number of rejection letters and interview letters from numerous applications for various jobs throughout his time claiming so all of these can be checked to show his previous record. The job centre have told him that they will let him know their decision shortly. He advised me he felt as if he was being pressured to say he was lying and hadnt actually applied for the job when i know that he did (I am for ever helping him fill out applications so i do know) He has no proof of the application and the job centre are taking the word of the prospective employer who says they have no record on their system. My son is now panicking as he feels like he has done something wrong and cannot prove that he did apply for the job however yet in my eyes the job centre cannot 100% prove he didnt either and with his previous record (which i again repeat is checkable) it appears as if they are wanting to just close his claim and leave him with nothing and accuse him of something that just is not true. We would really appreciate some help on this matter as it is causing untold worry for him
  11. Fully understand what you are saying here. I have been unemployed since January now and not for the want of trying. I have been employed pretty much most of my working life (im now 37) and after receiving jsa for 6 months i get nothing as my wife works full time despite the fact she is left without a penny once everything is paid!! now some people might get a bee in their bonnet over this but it really p***es me off that there are people out there that claim benefits and have done all their life and others who feel they just cant be bothered working and im sure i have contributed to their benefit along the way so can someone somewhere give me and others in the same situation a straight answer as to why we are not entitled to receive anything despite providing enough over the years???? Sorry stealing your subject page Rant over
  12. Hi guys and thanks in advance for any help!! My wife today visited DFS to obtain a sofa on credit, we selected what we wanted and they took all of her details and she signed a fixed sum loan agreement through Hitachi capital. Our problems have arisen later on today when we received a call and DFS said no our finance dept wont approve this, Now correct me if im wrong but i was under the impression that this was done earlier when they took all our details and that by signing this form we were bound by a legal binding document showing an agreement to give us the credit for this purchase. We would really appreciate any help available on this. Thanks
  13. Hi Beau I came across this whilst looking for some info for my wife and whilst it dosent provide me the info im looking for it certainly made interesting reading. I would just like to pass on my best wishes to you in your fight and praise you for your stubornnes in refusing to go away and continuing to tackle the problem, so often the general joe bloggs is shot down by these legal jargon bampots just in the same way bailiffs act, by making it sound like they know and they are right in exactly what they say. Keep fighting and believing and you will get there i have no doubt!!!
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