Really hope someone can help me, at the moment i'm sitting in floods of tears after a conversation with these complete idiots. In may due to my financial situation I missed my monthly payment to accord of just under £500. With the help of CAB since accord wouldnt give me the time of day i managed to negotiate a payment plan with them and started paying £50 a month extra to them in order to pay off my arrears. All was fine until December.I had to change bank accounts due to owing money to my bank and being scared they would raid my wages. I contaced Accord and told them this and that I needed to Cancel the direct debit and set up a new one. The stupid women I spoke to point blank refused to do this as the idiots had set the direct debit under my partners name dispite it being my bank account which he isnt named on. We are joint for the mortgage but have separate bank accounts. she said she couldnt do it until she spoke to my partner. Now this wasnt going to be possible since he was in Newcastle at his mothers bedside whilst she was seriously sick Intensive care and he was in no state to deal with this.So worried that they direct debit would bounce I cancelled it and paid the money by standing order on the 30 December so that it would get to them in time for it being due on 2nd January. I even paid a bit more compared towards the arrears since I had been given some christmas money.Didn't think anymore of it until I came home from work on the 9th Of January to find a letter from them telling me that I had missed my January payment. I phone them up and they said oh its fine the letter is a mistake we recieved your payment by standing order on the 30th of December just ignore the letter. So i did until I came home yesterday to find a voicemail for their collections deparment telling me to contact them urgently which i just have. Basically what they are stating is that because I paid on 30 December instead of 3rd January they have allocated all of my payment to the arrears which meant I had an overpayment and when they didnt recieve the payment on 3rd Janaury I had then missed a month payment and so I now have arrears of just under 300 for January. Now clearly these people dont use common sense either that or I have gotten eveything wrong.The worst thing is i've been trying to clear the arrears before may as our fixed term deal finishes in Feb as so we need to pay an extra £120 ontop of what we do now and cant get a new fixed term deal until we have had 12 months of consectuive payments which would have been may. Now they have just told me I need to wait until January 2013 before I can get a new deal. There is no way I can afford to pay that much extra until then, we would just be surviving until May so we could ger a lower deal.I've tried explaining that the payment on 30th December was for Januarys mortgage and the extra was towards the arrears but it makes no difference. To rub salt into it they then admits that they had made a mistake with my payment plan and put it in place for 3 months instead of the 6 that it should have been.I don't know what to do next.I fully intend to write a letter of complaint to them but i'm so angry I barley know what to say. There is no way I can go until January for a new fixed term deal when this is their fault. No other company will touch me because of credit history so i am stuck with accord. does anyone have any advice as to where I can from here?

Really hope someone can help me, at the moment i'm sitting in floods of tears after a conversation with these complete idiots. In may due to my financial situation I missed my monthly payment to accord of just under £500. With the help of CAB since accord wouldnt give me the time of day i managed to negotiate a payment plan with them and started paying £50 a month extra to them in order to pay off my arrears. All was fine until December.I had to change bank accounts due to owing money to my bank and being scared they would raid my wages. I contaced Accord and told them this and that I needed to Cancel the direct debit and set up a new one. The stupid women I spoke to point blank refused to do this as the idiots had set the direct debit under my partners name dispite it being my bank account which he isnt named on. We are joint for the mortgage but have separate bank accounts. she said she couldnt do it until she spoke to my partner. Now this wasnt going to be possible since he was in Newcastle at his mothers bedside whilst she was seriously sick Intensive care and he was in no state to deal with this.So worried that they direct debit would bounce I cancelled it and paid the money by standing order on the 30 December so that it would get to them in time for it being due on 2nd January. I even paid a bit more compared towards the arrears since I had been given some christmas money.Didn't think anymore of it until I came home from work on the 9th Of January to find a letter from them telling me that I had missed my January payment. I phone them up and they said oh its fine the letter is a mistake we recieved your payment by standing order on the 30th of December just ignore the letter. So i did until I came home yesterday to find a voicemail for their collections deparment telling me to contact them urgently which i just have. Basically what they are stating is that because I paid on 30 December instead of 3rd January they have allocated all of my payment to the arrears which meant I had an overpayment and when they didnt recieve the payment on 3rd Janaury I had then missed a month payment and so I now have arrears of just under 300 for January. Now clearly these people dont use common sense either that or I have gotten eveything wrong.The worst thing is i've been trying to clear the arrears before may as our fixed term deal finishes in Feb as so we need to pay an extra £120 ontop of what we do now and cant get a new fixed term deal until we have had 12 months of consectuive payments which would have been may. Now they have just told me I need to wait until January 2013 before I can get a new deal. There is no way I can afford to pay that much extra until then, we would just be surviving until May so we could ger a lower deal.I've tried explaining that the payment on 30th December was for Januarys mortgage and the extra was towards the arrears but it makes no difference. Rub salt into it they then admits that they had made a mistake with my payment plan and put it in place for 3 months instead of the 6 that it should have been.I don't know what to do next.I fully intend to write a letter of complaint to them but i'm so angry I barley know what to say. There is no way I can go until January for a new fixed term deal when this is their fault. No other company will touch me because of credit history so i am stuck with accord.does anyone have any advice as to where I can from here?

Other relevant information is where it would appear and its not just Scotland I’m talking about CRB are governed by the same police act as disclosure Scotland, so yes suspicions can be disclosed if the police deem it necessary Part 5 of the Police Act 1997 which sets out the criteria for CRB checks states: 115 Enhanced criminal record certificates F298) The Secretary of State shall also request the chief officer of every relevant police force to provide any information which, in the chief officer’s opinion— (a)might be relevant for the purpose described in the statement under subsection (2), (b)ought not to be included in the certificate, in the interests of the prevention or detection of crime, and ©can, without harming those interests, be disclosed to the registered person.

Brig,A formal report to CRB would be because of Intel held on the OP or anyone else who applied for CRBs at enhanced level.sometimes on PNC or CHS or even through the various lists which are checked someone gets flagged, that person doesn’t need to have any criminal convictions on the record or file which has been created for them but what some do have is information that the police hold on them an example beingCheck is done on Mr A, PNC shows a record for Mr A that has no convictions or cautions or warnings on it however it does have an Intel marker on itCRB would contact the police force who own the record and tell them the position Mr A is applying for, Police force then decide that the Intel they have on Mr. A is such that they wish to disclose it on the CRBMr A gets his CRB back and it shows that the police spoke to Mr A about a flippant comment which was made to his neighbour regarding the neighbours 14 year old daughter, however charges were never made against Mr A

Thanks Silly Girl for the reply, i will do as advised.To be honest back then I wasnt in the right frame of mind to fight about it, I know this is wrong but i was so worn down that i pretty much accepted that they took what they could from my bank because i owed them it and what I owed after that I just agreed to pay because again I owed them it.things have changed in that i've gotten myself together and I trying to take the bull by the horn regarding all of my payday loans and trying to fight all of the amounts they claim I owe. I've been reading the forum and trying to get myself clued up as possible in order to arm myself in the fight against them. i dont think its going to be easy and I am in no way trying to run from my debt, I want to pay what I owe but not a penny more.

So I agreed a payment plan with Wonga for the money I owed to them after they raided my account back in april and left me with nothing.After a few months of paying this my financial situation got worse and so I couldnt afford this. CAB wrote to them and they agreed to my £1 a month offer which is all I could afford.Now when they accepted this I recieved an email from them quoting me a different figure that I owe them which is higher than the original figure which remained after my account was raided.I queried why the balance had shot up by nearly £220 when I originaly owed £392 and made payments which total just under £100, so in my mind what i owe them would be around £292?I emailed back and quieried this and asked for a breakdown of the figures they have used to calculate this. They have emailed back saying a statement costs £10 and until I pay this £10 they wont give me the breakdown?Is this right? Can they do this under law?I have no intention on paying more than I think I owe but thats beside the point.

Unfortunately there is no such legal requirement if the police want to note down Intel and the OP certainly wouldn’t have been told if they wished to take it down as Intel as this would defeat the purpose of Intel. The police can hold Intel on anyone about anything without that person ever knowing, I’ve seen in many times and I’ve seen it many times appearing on enhanced CRB and Disclosure checks.Police sometimes simply don’t have enough evidence to prosecute someone however their concerns are serious enough that they want to log it as Intel on their police system. It’s the same way that such things can be disclosed on a public interest order.Example being Ian Huntley, he had a number of Intel noted on him but not prosecutions which the police forces didn’t share with each other. Hence when enhanced CRB checks were introduced so that a person like him who police had concerns about but had no evidence could be prevented from working with children by the Intel being displayed on a check.I worked at disclosure Scotland for a number of years processing their disclosures and working together with CRB therefore I know a lot about this subject. Processing the Intel disclosed from police and dealing with the fallout from people when they discovered Intel had been disclosed by the police.

Its all going to depend on if the poilice felt strong enough to make an official record about the chat and the nature of it. Police sometimes hold intel on things like that and it would be up to the individual police force's to decide if they wanted to disclose it or not on your Enhanced CRB and each police force is different.To be honest and I dont want to put you off in any way but it is pot luck if they hold intel and if they are going to disclose it. I have seen intel come back for far less and on the other scale I have expected intel or more information to be disclosed about incidents and it hasnt.Only way to see would be to get the enhanced CRB done and if it does show explain to your employerthe circumstances surrounding it and it would them be up for them to decide.misselle

so finnaly got a reply back from FF regarding the above. Basically just saying what I knew they would from reading other posts. Basically they are claiming that because i changed to a lower payment rate in Feb that it entered me into a 12 month contract. Now I didnt sign any contract other than my original contract which was monthly and the lady on the phone when she offered me the lower monthly rate when i threatened to cancel, I wouldnt have agreed to a 12 month contract. So FF have said they will cancel my memeber ship in Feb 2012. Not good enough as far as I am concerned i'm not paying what i didnt sign up for. So what is my next step? Do i write back to them and ask them to provide a copy of my contract where it states 12 months because i know 100% that they couldnt do this.

You said that you have had previous CRB checks done, can you tell me what showed up on them? I understand that if it was a basic check then nothing would show up because the conviction would be spent however have you had an enhanced CRB done before?

Thanks for the reply, I've sent off letters to both Via recorded delivery today so they cant say they havent recieved them and my DD has also been cancelled. I dont think its the last i have heard of either of them from reading the posts on this board, so I expect I will be back with an update telling you they claim I'm in a years contract.Which I would like to see them prove as the only thing i signed was my monthly contract when I signed up and still have a copy of. I know i didnt agree to sign up for a year when they lowered my memebership prices I would never have agreed to that.Thanks again

I was wondering if i could ask for some advise from people. I signed up to fitness first in October 2009 on a month to month contract and was a regular user of their personal trainers. I got notification at the start of the year that they were increasing the prices of my memebership. Due to this I contacted fitness first via telephone and informed them that I wished to cancel my membership as i couldnt afford it, the lady who i spoke to offered to lower my monthly cost and asked if I would reconsider, as i used the gym regular and the discount was almost £10pm less than i was paying I agreed in this same phone call I informed them i had moved out of my mums house where i orignialy registered at the gym and gave her my new address. Fast forward a few months and I got into serious financial problems which i have been recievng help for on other forums here but have always managed to pay my gym membership but dont use the gym as much. My mum passed me two letters that had arrived at the house for me. One for FF informing me they had made a mistake and took out my mebership twice for October but had refunded me one, the other letter from C.A.R.S informing me that as i have ignored all correspondance from them that they are taking legal action unless I pay the remaining amount owed to fitness first of just under £200!! That was the first letter i had recieved from CARS. Both letters went to my mums address instead of my new address! I checked my bank and it turns out my last two months had bounced, but i didnt recieve any notification from FF that they had bounced or passed on the debt. I at no point signed up to a 12 month contract so the most i owe is 2 months fees. I'm stressed out enough by my other debts i really dont want to be harrassed by C.A.R.S. Is there advice from anyone on what to say when contacting CARS?

Hey guys looking for some advice, i had to take a wage drop a few months ago and since then my finances are in a mess, i've SAR Cap 1 to get my statements and claim back my missold ppi but i need so help and advice with my Vanquis credit card. Basically i got a statement throught the door the other day from them and nearly died when i saw that my balance was £700 over the limit. When i knew i was having cash problems i was right at my limit and havent been able to make full payments only token which havent made a dent in it, anyways CAB had written to Vanquis to get everything frozen and accept a very low token payment until i could get more income and go onto a debt arrangment scheme. It seems they havent done this and have passed my account over to 1st credit. They have blocked my account access so i cant get my statements which were all online. I think that most of this £700 is going to be interest, late fees and over the limit charges as i havent used the card since march. I know i will need to SAR them to get my statements to be sure but what i want to know is, is there anything i can do about these charges and fees? i guess i'm stuck with the interest but i mean £700 since march has blown me away. Any advice would be great thanks Misselle

actually i dont believe thats true, i cant speak for CRB but i know how disclosure scotland works and i would imagine they would be pretty similar. There are ways and means for which the police update peoples adresses on their criminal records without the individual notifying them of the change and also there are proticols in place to ensure that even if someone doesnt provide an address that the match is still found. someone having an address match, name and dob isnt the only things which people would consider a match and if there are similar details but its not conclusive then thats when it goes to another department to carry out further checks and in cases contact the indvidual or the police to ensure a match is either confirmed or disproved. Like i said i know thats disclosures procedure and i would think CRB would be the same if not very similar so no there are no loop holes at all.

if its royal mail then you will get a basic disclosure done by disclosure scotland for it. Cautions, warnings and reprimands dont show up on basic disclosures so you should be fine going on what you have said.

My bank cancelled the direct debit to sky and didnt inform us either did sky i didnt even realise they hadnt been paid until two weeks later and none of my services or phone line was working, broadband however kept working. soon as it went off i went online to see what was going on and paid it straight away when it became clear it hadnt been paid, I then got an email saying that my services would be restored in 24 hours, 3 days later its not resroted and when i called up sky they are refusing to restore them unless I set up a direct debit again, now i have no problem with this however i explained that the direct comes out my partners account as as he is at work i cant get the details until tomorrow, they have said that they wont reinstate my serives until the direct debit is set up. Can they do this? can they demand i set up a direct debit? What if we didnt actually want to pay by direct debit?

There is no union at all within her workplace, i will have to ask about legal assistance within her home insurance. She went to CAB today and spoke to their emplyment specalist who was none too happy when she stated who her emplyer was. He told her that over the years that he had voulenteered he has lost count of how many cases he has been involved in of people being sacked from the same company. I went to the CAB with her as she is heavily pregnant and not too great at walking far on her own. I was very shocked at other things she hadnt told which has happend but produced a diary she had been keeping of events. Things were refused such as a footstool because her ankles had swollen and a specalist chair which could be adjusted to suit and support her back due to the baby well it wasnt refused as in much they gave her one already in the office which had a broken back and told her it was all they could provide. There is a long long list of things which i couldnt believe has happend the major one in which she has typed notes from the disciplinary where they extended her warning they said they had no evidence agaisnt her but couldnt be shown to be favouring her and giving her no sanction!! this is written down in black and white and signed from the HR department. Also she raised a grievance about her managers treatment of her being less favourable than others since becoming pregnant and the operations manager who heard the greievance was her managers boyfriend. Conflict of interest? I beleive after speaking to CAB she is more confident about her position, apparently she called ACAS yesterday and was told "well they must have had a reason to dismiss you so you wont win any case" this made her really give up. I've told her i am willing to support her all the way and even represent her at a tribunal if need be since i know she will have the baby but she simply cant let this lot get away with how they have treated her, the stress she has been under has been shocking thye have done everything possible to make her pregnancy stressful. Also she got the phone call for her disciliany at 5.30 the day before and was told to be in at 9.30 the next morning, no time to prepare and when she asked about taking a witness was told they needed 24 hours notice so it wasnt possible. I had no idea about the disciplinary until after it happened otherwise i would have told her to tell them thye had to provide more notice

another thing i would like advice on, my fixed term on my mortage is coming to an end next march and we are supposed to renegotiate our mortage deal in the new year because it jumps up to an amount neither me or my partner could afford if we dont renegotiate it will this DMP effect my credit rating therfore prevent anyone seeing me as viable for the mortage renegotiation

Today I have taken the first step and contacted CCCS regarding my debts, i have really burried my head into the sand up until recently and have made my situation 100% worse, i was very silly and paniced when my creditors threatened me about not making payments and so feel behind a month with my mortage payment and 2 months in my council tax by paying payments to loans, credit cards, store cardx etc. I could have died of shock when i totaled it all up on the budget planner and had 24K in unsecured debt. a massive chunk being 12k to a halifax loan the rest on some payday lonas, credit cards and store cards. I have tried to negotiate payment plans with them all before tunring to CCCS but none of them were wanting to play ball and wanted more than I could give after working out what extra i need to pay on top of my monthly payments to get my priority debts under control it will take 7months assuming they agree and leaves only £60 left over for my creditors The harrassment from my credit card companies by telephone is getting too much they have gone back through my records and begin to phone old telephone numbers that i had listed years ago one being my elderly grandparents who are being stressed at the numerous daily phone calls looking for me dispite being told i dont live there and not to call there. i'm nervious about the whole process really i have no savings at all and was just about managing until I had to take a wage cut at work in order to save my job now i'm struggling. The only asset I have is my car which is worth about 1700 and its essential i keep it as i live 30 miles from my place of work and public transport isnt good in my area, I also own half of my house my partner having the other half. what i need to know is can they make me sell the house or car? I'm imagining all sorts of worrying things such as being made bankrupt ovet this or being forced to sell the house which my partner would never forgive me for. Would it be wise to transfer my half of the house into his name to ensure its safe? Any advice on how to procced or get through this would be great.

I posted way back last year about my sister being disciplined for gross misconduct for the call centre she works in. She was given a final written warning dispite being able to prove that the accustation of avoiding calls wasnt accurate as she produced a print out of her call times and showed that since she had started in the job her call time improved and then stayed steady at no point at the time of her being accused had it gotten longer between calls. This first instance of being disciplined came after a run in with her manager. after being given the final written warning dispite the evidence and this being the first time she was in trouble it became apparent her manager wanted rid of her. After christmas my sister discovered she was pregnant and from the moment she told her manager things went down hill very fast. She was extremely sick in the first 16 weeks and had to be hospitalised due to dehydration most stays were around a week, she couldnt even hold down water at this point. As she worked on phones she asked if she could switch to non-phone duties on the days when it was so bad as she was being given into trouble for placing people on hold to run and be sick and she was struggling with the talking to customers whilst constantly feeling sick. This was refused without even being looked at. The hospital had also stressed to her how improtant it was to eat 4 or 5 small meals a day instead of 3 big ones to try keep some food down and as her work has no cooking facilites when my sister did a late shift 2 days a week she would have sandwiches only to eat which becaude they were so dry she struggled with eating them. She asked if she could start her late shift a few hours earlier so she could get home to cook meals until the sickness had passed again this was refused on the grounds that it would be unfair to other staff to allow her to change shifts and not them. On one of the days she was in work she started having violent stomach cramps and was taken to hospital via ambulance this turned out to be down to the dehydration however she was given a written warning at work on her return due to her attendance as they stated there was nothing wrong with the baby. About 3 weeks later at work all of the systems go down and they spend most of the day sitting around, late on in the day a member of staff comes around on the same pay grade as my sister not management or anything and shows them a link on the internet as a work around whilst the system goes down. None of the staff use this until someone goes and confirms with a manager that it is legitmate and staff to use as my sisters manager is currently floating around talking to people and so isnt available to ask. Everyone restrats their computers and begins taking calls again except a small group of girls who state that as they are finising in 30 minutes they arent taking calls. Someone reports them and includes my sister into the names. Again she is pulled into a disciplinary for gross misconduct. Her manger takes the investigation meeting and upon looking at the notes compared to the other girls whom she interviewd it was clear from the different questions she asked my sister that she had decided she was guitly before the investigation had taken place. HR speak to the person who reported the group and he changes his statmenet a number of times and admints that he didnt hear my sister say she wasnt taking calls but he didnt think she did. HR take the meeting and admit that they have no evidence that she wasnt taking calls and so they extend her final written warning. The other girls who didnt take calls are all sacked. Roll forward until today when she has been sacked for gross misconduct. 3 weeks ago she was taking into the office and told that her manager had raised that my sister had failed to do data protection checking on 3 of her calls. In this meeting her manager when asked by HR to explain to my sister about DPA and the importance of it admited that she didnt know and couldnt. The rules around data protection had changed two months previous and my sister had signed a sheet saying she understood DPA and this is the evidence they used to sack her. The calls that they used against her only one was data protection checked as it had been transferred from a shop who carry out the data protection before passing the call my sister maintains they have never ever been told that in this situation they still need to carry out the check for a second time and the other two calls she carried out data protection but in the wrong order she got 4 pieces of information from them that without a doubt proved it was the custmoer but her work have said there is a set order and she failed to carry out that order and should have asked for a pin from the customer even though they had satified all the criteria had she asked for a pin and they didnt have it or couldnt remeber it. Everything that has gone on espeically since she told them she was pregnant has worried me alot and now being sacked with a baby on the way and mortage to pay she is just short of the number of weeks needed to get SMP also. Basically I'm asking for peoples opinion on this as I am trying to convince my suster to appeal this and also to submit a grievence about her manager and her conduct as she has made it plain to her she wanted rid of my sister and she has a number of people willing to testify to this. Any advice would be appreciated. sorry for the long post

Thanks for the reply, Have sent off my SAR today to Capital One hope it wont be too long before I get a reply from them. will the fact that I am cancelling my PPI and only querying it now after I have come into financial hardship and making less than the min payment to cap one go against me?

Thank you for your very fast reply i very much appreciate it. I dont have all my statements I moved house last year and had a mass clear out thinking I never needed them stupid now that i think about it. I have been reading the stickys at the top of the page and copied the letter for the SAR ready to sent to Cap1. I'm not their favorite person at the moment as i am always ringing them about trying to have them to agree to reduced payments which they arent playing ball with dispite the fact that up until April i was the model customer always paid on time paid more than the min payment had never missed a payment until i need to take a wage cut and they are the most unhelpful at trying to help me out. PPI is just one thing i dont need never have and now cant afford to pay it

Hi Guys, looking for some advice, Basically I opened my Capital One account way back in 2007 at the time I had just started a fulltime job working for the civil service and I know i didnt tickt the PPI box i remeber this because I got a phone call from one of their agents doing a very pushy sell on it and when i explained I didnt need the PPI because i believed i got a very generous sick package at work he told me that was nonsense and that no-one gets packages like that and basically intmated that unless i took out PPI i wouldnt be getting the card. I dont remeber ever signing to say i wanted PPI but i cant be sure as i havent kept all my documents from that far back but i have paid it ever since. Today Im in default with my card due to my financial cirumstances chaning but its not covered by the PPI, my question is can i cancel the PPI? i strugle to make my minimum payments now never mind with the PPI onto of it and does how i was sold it fall into the missold category? I am somehwat clueless to this whole PPI thing it was my dad that alreted me to it when he began to claim back his. I have seen the word SAR mentioned around, is this what i need to do to get information on if i signed for PPI and if so what is it and how do i go about doing this? Many thanks

So I have had some result with my quest to get repayment plans sorted, wonga, 1month loan and txt loan agreed with no problem at all, all agreed to freeze interest too however i did notice 1 month loan continue to add interest so much so it counters my monthly payment to them but i have the email in which they agreed so i wont be paying more than the loan plus 1 month interest. Lending Stream are a nightmare dispite recieving letters from them and in turn trying to email, write and phone them I dont ever get any answer!! so i'm in stale mate about it and not happy at all. WDA are also being a bit annoying i provided them with IE which they asked for they now want bank statments which i am not willing to give them at all so they have basically said they will pass on my debt if i dont, guess it will have to get passed on then because i have tried and tried with them and i am so sick fed up now

can I ask if you mean the information is displaying like this on a disclosure or something you have from the Police? I have a bit of knowledge in this field as its dealing with Scottish Convictions. Its down to the force whoever owns your record to amend it to ensure that it is correct. Other relevant information is normaly where the police would elaberate on a crime or provide intel they hold if it is deemed relevant to the position being applied for