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About scotsdamo

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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
  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 corresponden
  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
  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 b
  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 f
  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 bene
  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.
  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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