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  1. Thanks oldrouge much appreciated. I will see what I can do over the weekend
  2. I've requested a copy of my bill of sale and it was emailed to me 5 mins after my request! It seems it was registered 5 days after I signed it so all seems well there?
  3. I printing the guide out as we speak as easier to read an highlight important points that way so cheers for the link. I thought about asking automoney for a copy of the bos but worried they will know why I want it and if it turns out all above board they will become even harder with collections procedure just to spite me?
  4. Thanks for your reply and I will read that guide (I was already thinking of going down the ccta route so your confirmation of that being an avenue is a great help) regarding the bos I emailed the high Court and they said if I don't have the bos reference number it will cost me £50 for a search, my bos copy supplied at the time of loan doesn't have a reference number on it, any ideas?
  5. Anyone at all able to offer some help with the above please? Many thanks
  6. Hi all this could be a long story but will try the short route January 2016 I take out a £1000 logbook loan with automoney! Silly I know but I wasn't really in control as I took it out during a manic episode of my Bipolar disorder. Paid most months on Time but was 30% short last month and have paid 75% of this month's payment today. They have harassed me day in day out week in week out by text and phone about it all. Today I got a text just saying 'letter in post' which I imagine is a DN. I can probably raise enough to catch up but they have annoyed me so much and have made my bipolar worse due to harassment so wanted to check a few things to see if I have anything to throw back at them. I have emailed the high Court for details on how to check my bos is registered but I have noticed my installments on credit agreement is different from that on bos. Also when I took loan out I remember a long process going thru bank statements. My question is that my money gets paid into my wife's acct as my mental health and finances don't mix on the day they did the income and expenditure using a bank statement in my wife's name an also included her salary and tax credits. Do I have something here or is that allowed? Hope this All makes some sense and thanks I'm advance
  7. No not ESA as I only receive DLA but wondered how people claiming ESA had got on with ATOS when suffering with Bi-Polar. As ATOS will be dealing with PIP in future
  8. Thanks for your info but I knew the rules around the transfer from DLA to PIP, I also know indefinite awards no longer exist. My question is more towards the intervention of ATOS and anyone who suffers from mental illness experiences that they may have had.
  9. Has anyone had any experience of ATOS whilst suffering Bi-Polar? Am worried about the upcoming PIP as myDLA award ends in nov 2013 under DLA rules after my 5 year award and no change in my condition I would have qualified for an indefinite award. Any info would be greatly appreciated.
  10. I have a laptop and tv from brighthouse, have had the laptop since April on a 2 year contract and its had problems since day 1 I have 2 weeks ago returned the laptop and said I no longer want it due to problems and affordability. Was told by manager that on this occasion they would accept the laptop back early (thanks even tho its worth £500 and I have paid over £300 already for a load of rubbish). The only clause is that I have to continue to pay the £10 a week whilst it is being repaired (unless it comes back and the repairer says its my fault then they want me to claim on my home insurance) yeah right! My question is its been nearly 3 weeks now and no word from service centre I have paid £30 so far (£10 a week for last 3 weeks) for it to sit in service centre and tomorrow they are expecting next weeks payment, should I still be paying for this even tho they are taking it back? Thanks in advance
  11. Many thanks for that post it has made me feel a lot less nervous than i was, I suffer from Bi-polar you see and things like this really stress me (I was hoping to have my nurse here with me and the assessor but sadly she is on leave). Thanks again
  12. Can anyone advise me what to expect from an insurance buildings assessor visit (company called JHS restoration, sent by LAS claims management) I woke up at 2am on Tuesday for the toilet and heard water in the kitchen which was coming from the ceiling, I turned the water stop cock off and returned to bed to deal with in the morning. I had a football sized hole in my ceiling water on top of my units and a little had got under my tiled floor, also water staining to the bathroom ceiling above the kitchen, my insurance excess is £500 so my wife initially said we should just get a builder in as it would be around the excess amount anyway. I removed the tiled flooring as some where cracked and moving and i was worried about my 3 children injuring there feet. I have kept all the tiles. We asked a builder who was working for a neighbor to pop in and have a look at damage and give an estimate, he looked and said the water had ran down the back of the units wetting the wall and units themselves (his advice was to remove the 3 wall units as they could come lose and fall on one of the children) so i did (again I have kept the units) he also advised to call insurance as it is a bigger job than expected. What am left with is a wet wall, hole in my ceiling, 3 bags of broken tiles and a bare kitchen floor and 3 removed wall units. My question is will my claim be reduced or even rejected as I fixed the leak myself, have removed flooring and wall units even tho I have kept them and they are clearly water damaged. Many thanks in advance
  13. I had them price match a range cooker priced at £999 with currys priced at £799 but i cancelled b4 delivery
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