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About LittleSnowBear

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  1. I am not a customer of BT and have not been for two years yet I keep recieving phone calls from them where someone states that as a loyal customer they are reducing my bills I have had five of these calls today already which keep getting cut off halfway through. They are a pest how can i make them shove off?
  2. I had a similar problem with BT and contracts a while back. I was informed that they do not have to state that you are entering into an agreement (which they frequently forget to say) and as soon as you activate your account then you are liable for a year. I was basically told that I should automatically know that I am entering into a contract even though they don't bother to tell you. You can try and complain to the company.
  3. I can't really afford to pay anything until i get a job or get my student loan
  4. I asked my uni's "money doctors" about what to do, they gave me a leaflet and told me it wasn't their problem. The credit card is now with Geoffrey Parker Bourne solictors and the overdraft was with triton but got passed to Allied International last week.
  5. Yes I do, I spoke to the debt collection agency and they said even if i start the process of reclaiming they are required to recover the full balance anyway. The credit card debt collector said months ago they were starting legal proceedings but I have still not heard anything from them.
  6. They are saying they intend to but I have not recieved any papers yet.
  7. I had a credit card the first time i was at uni when I left due to illness I couldn't afford the payments and my student overdraft started gaining interest as well because I was no longer a student. I went on incapacity benefit and agreed with the credit card company to pay back £10 per month. I kept in contact with my bank but the interest of £35 a month was too much for me and I ended up switching banks because they would not offer me any help at all. so it kept gaining interest and charges they are currently applying for a CCJ against me because I cannot pay any of the balance, my bank offe
  8. I do have a student account with an overdraft of 1400 all used up (paid half my tuition fees with it) I just need temporary relief until my loan comes in (I will get my tuition fees paid next year so my finances should be ok). Not quite sure how to get credit and I think my credit rating is bad. On a good note I have earned a few pounds doing mystery shopping though this does not bring a lot of money in at least I'm trying!
  9. Thank you YourBank I shall check this out!
  10. Thanks for the advice but my university told be I would not be intitled to income support or housing benefit they have told me they cannot help in any way shape or form. I emailed them a week ago to check again if there was any funds available and have not recieved a reply. This may just all get sorted out soon as if i do not pay my rent by 17th july I have been told to vacate the property and have been issued with a notice of seeking possession by the council. This will mean I have to leave university and go on JSA.
  11. Yes I have. I got a one off 25hours last week but that was all I could get so far. Plus I was ill during the second semseter which means I have assignments to complete over the summer.
  12. I have actually contacted my university about their "summer fund" they have informed me that it only goes to lone parents and that I should get a job. Which is easier said than done. I have told them if i don't get money soon I will lose my accomodation and will have to leave uni. They have basically told me they don't care. My student loan for this year was less than everyone elses due to previous study and barely got me through the academic year, which when I went into the uni they calculated my budget divided by the weeks in the academic year. Therefore according to them I have (just) enoug
  13. I recently have got a letter from Tiscali, they say they are restricting my internet access because I no longer pay by DD. Are they allowed to do this? they still get there payments and at the same price so I don't understand their problem.
  14. Thanks for your help. The debt was origionally a student overdraft of 1800 which is now a debt of 2300 due to interest and charges.
  15. Got a lovely phone call today. Triton have informed me if I do not pay my debt or agree an arrangement (which is not possible at the moment) that they will send a debt collector to my door. I have informed them that they will not gain access to my property in anyway. I was of the impression that they needed to issue a CCJ against me before any debt collectors were allowed to come round, is this true? When I mentioned this he went a bit quiet. A majority of the debt is charges which I have recently issued a claim for. I am a full time student my loan is gone for the year
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