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Everything posted by Craigbadger

  1. There you go then just as I thought. Maybe it did sound like a stupid question to you but no harm in asking I presume.
  2. As a sole trader am I required to tell Universal Credit if I get a bounce back loan top up? I did get 1 last year which is long gone thinking things would be well and truly back to normal by winter but we know that didnt happen and im still working at maybe 20% capacity. I know I have to declare SEISS as its regarded as profit but I suspect the loan is different as I will be repaying so its not profit. I just wanted to check. I'm 99% sure they asked nothing about debt or anything when applying and only cared about personal savings being under 16k. I'm hopefully only on UC till July-August at the latest but would rather not end up in trouble with UC. As far as I can see this is me trying to get trading again which it is, I have business bills to pay and actually most of the loan is spoken for but it means I havnt got to magic up money from somewhere else
  3. 90% sure it was May 2010 or earlier. Looking through that thread I was unable to find payments post that date.
  4. Just had my first letter from a debt collector Ruuthbridge who have tookover an old card debt which was with Cabot. Link here for 10 pages worth. I just wondered is there a way to kill this dead?. I worry about getting backdoor default with moving house so should I be informing of my new address?
  5. In simple terms i'm self employed and have been here since october 2010, up till October 2016 the tenancy was not in my name and was paid monthly but they moved out so at this point the landlord agreed for me to pay 6 months in advance because I was unable to prove enough earnings due to being self employed. I have renewed twice paying the 6 months in advance again so 18 months total but this time they want to put the rent up £300 a year and are asking me to pay £60 in advance to reserve. I'll be honest its doable but its a real struggle this time finding over £4k. Logically it should be no different to paying monthly but it just doesnt seem to be feel like that. Flat will need decorating if he wants to find a new tenant I think. Now ive been here nearly 8 years and in that time ive had nothing done, its all starting to look a bit tired in here. But I think ive been a good tenant, im not Hyacinth by any means but ive not trashed the place at the same time and the rents always been paid etc. I guess what im wondering is where I stand legally if I want to stay on?, I know that usually an agreement goes periodic but how does this work with 6 months paid? If I dont renew will it just carry on as is? Ideally i'd like the reduce the amount due and increase the payments per year, even quarterly would be better than 6 monthly. Surely if it goes periodic they could allow a bit of room on how often payments are due?. I did pay a huge deposit. I'm just sure even if they did agree to change it there would be a huge fee for drawing up a new agreement. I have about 6 weeks so I need to get this in order I think. Have pasted the email minus sensitive info. As your current tenancy is due to be reviewed on ...Late April 2018 we are delighted to inform you that you landlord is offering you a further fixed term of 12 months at a rental of £@@@ payable in advance half-yearly for the term. In order to secure your new fixed term tenancy term please call us on 00000000000. There will be a charge of £60.00 (inc VAT) required to cover the cost of this service which can be made via debit card. We are also available should you need to discuss any changes to the proposed terms, our office hours are Monday to Friday 9am to 5.30pm. Should you be intending to vacate your property at the end of the current tenancy term then please email confirmation of this to email address including details of your forwarding address.
  6. Wow thats pretty horrible although I think they are totally incontinent and will go all the time and everywhere so they only had to go on the bed once if that gives any reassurance.
  7. We always had cats as a kid, did have a few mice but they tended to stay for about 5 mins and if they were lucky move on. Ive heard people say even a tray of litter is enough as they are naturally repelled but who knows? Problem here is I think theres no pets or smoking in the entire row of flats + i'm a bit allergic but I think I love cats more.
  8. Even then its a bit much for me at 8 in the morning Did feel a bit sadistic popping a family of 4 in a carrier bag and in the skip.
  9. Oh yeah they work great I just dont like having to get them out after + the risk of blood. I guess though outdoors is less off an issue. These are the ones ive got. Cant rate them highly enough. Rinse under the tap and use again. https://www.screwfix.com/p/pest-stop-sure-set-plastic-mousetraps-2-pack/70203
  10. Ive just noticed what looks like a leak and large wall crack in a far corner of the kitchen, I dont make a habit of looking closely but im sure this is new. Think its time to get the landlord in. I'm confident ive done all I can and got rid of the mice at the soonest opportunity and that it was not my fault that they chose this flat iI'm now thinking this could be a sign of something more serious, either damage to the roof/wall or elsewhere. Ive been here 8 years and I think ive only had a toilet handle in all that time so i'm hoping he will get this looked at.
  11. Yeah already done this. And agree the Nutella went down very well, caught 4 in 1 night in the kitchen alone and other than the 1 I saw venture into the lounge ive seen no sign elsewhere so presuming he was one of the 4. Its been silent for 2 nights since so i'm thinking that along with me being loud during the day and removing any food killed them all or if there were more than 4 made them leave. Its a shame but one of the mice was very big, maybe I saved myself an extra litters worth just in time?. They look so cute but you just know theres only 1 thing to do. On that subject Sure-Set Mouse Trap, cant recommend them enough. Extremely efficient and no mess, pick the trap up by the handle and base and just squeeze and the mouse drops into a bag. Forget the old wooden ones. Without a doubt the quickest and most humane way I think. In my eyes the loft is someone elses but I guess its just the mention of me having to pay for fumigation in the agreement that worries me, guessing that would be hard to enforce as its not my fault theres a way in through the pipes. I just think its fully the landlords job to ensure they cant come in again.
  12. Just wanted to run this by you all so I know where I stand. In simple terms, I live in a 4th(top) floor flat. Have a locked loft which is not included in my tenancy but is accessible within my hall and covers the full area of the flat. A few weeks ago the block management did some work to facias and stuff and coincidently the council start tearing down some garages over the road. Sunday evening I notice some weird noise from above, put it down to wind or water pipes etc, had been cold so things act up. 3 hours later ive got this uneasy feeling and there it was flying across the lounge, a little mouse. Lounge joins onto the kitchen so I decided to lock the door on the other end when I went to bed so hopefully to keep him in the kitchen. Get up next day and no sign but I have a look and notice some droppings on work top where my cake was. In my lock up I had 7 snap trap things so I got those and 9pm monday lay them down with some Nutella and wishing 3 mins 1 goes off. Blocked the kitchen shut and left 1 trap in the lounge then went to bed. Woke in the morning, nothing in the lounge but 4 in the kitchen. Left traps down again 2 more nights and nothing. Fingers crossed thats it but the noise in the loft suggests theres some damage and more importantly they got in so im sure more can get in. Question. Where should I go from here and how should I approach it?, I can smell them but the noise has stopped and no more in the traps. Can I really be held responsible?. I know mice are bright but I dont think they could smell my cake out of 50 flats, I suspect they were spooked by the workmen and decided so find somewhere new, loft was quiet and warm with some food near by and stayed. Ideally I want the landlord to get the loft checked and cleared, then get him to get some pro cleaners in and get it checked for gaps. Is that a reasonable request?. I should say that my tenancy is up in 10 weeks and the agents are pestering me to sign up again(with price increase). To stress I live 100 feet up, have no doors other than 1 on the other side of the building which comes through a communal porch, up 3 flights and a private front door. Windows are shut other than a couple literally 3mm.
  13. To answer your question, yes i'd expect it to be the shortest road route. They even have a route planner on the site so go with the approach that whatever that says goes. I actually cant think of many other times in life you would measure distance in a direct line and not how far you would have to travel to get from a>b.
  14. Seems a bit surreal have just been denied a breakdown because the car was within 1/4 mile of my home despite being 0.4 miles by road. If I want to claim I have to pay £60 now + add £6 a month to my policy. Ive had a look at the policy and it states within 1/4 mile. Nothing about it being measured in pigeon miles. I'd go as far as to say the whole things crazy. I guess what i'm wondering is do I have any grounds for complaint?, luckily my dad has been able to recover on his but its still a major inconvenience and I just cant get the logic other than them deliberately trying to get out of a recovery. They are a road company that even offer navigation services yet measure through the sky when it suits. Rant over.
  15. In simple terms when my housemate moved out the water bill wasnt paid for maybe 6 months then when it was not enough to clear the arrears. Not through avoidance more confusion and as soon as I realised I upped the weekly amount to cover the arrears asap. To my horror then a month ago I get an equifax alert showing red 4s and delinquent date for that last few months. I figured no point dwelling on it and knew it was about a week from being caught up but was still annoyed as ive spent a few years tidying my history up a bit. To be clear they were not even on my credit record before this. yesterday another alert to say it had been removed. Does this make sense?, I was under the impression it would now be on there for 6 years. I guess i'm just wondering if this is a mistake and its likely to reappear or if this is how utility companies do it ie only add while in arrears?. I'm sure there are others that have been in a similar situation so would be useful to know.
  16. Great thanks. I'm 4 weeks from being clean, last thing I need is a fresh 6 year clock
  17. the other week I checked my bank and realised I hadn't got enough in to cover the insurance that was coming out the next day cancelled it with a view to ringing and paying and reinstating, forgot about it, went away for a few days came back to a letter ring us by this date etc and sort it I did all be it 3 days after the date on the letter. Yesterday I get in and have another letter from More than dated 4th July(10 days to deliver??) i.e. the date they wanted me to call them by. Enclosed a Default notice served under under s87(1) of the cca. It just says I need to call them by the 27th July to reinstate the direct debit to avoid action which is all sorted. The 1 and only thing I care about here is whether they can do anything to affect my credit file?, they have never added or updated it before so my gut instinct would be no. I presume in doing what they asked I have not defaulted it and the only thing they could do would be a ccj. Can anyone clarify? The default looks legit, whether its correct is another story but it certainly looks like something a creditor would send after 3-6 missed credit card payments. Would seem brutal if they were doing anything more than following due process for canceling the policy.
  18. Yes thanks, I think I will. Its just that feeling of being ripped off. It is bus lane either way so I'm going to struggle I'm sure but its poorly signed coming that way and once you are in you have no real choice but to continue. Whats more I had only gone over to buy a Mac mini for cheap, she had advertised as 2014 and it was 2012 so ended up walking away. So not only did I waste £20 on fuel but £30 on this. Grrr.
  19. As above I've got a Birmigham city council penalty charge notice for entering a bus lane. Its £60 or reduced to £30 if paid by the Christmas eve (merry christmas to me. I did drive in the bus lane but I just want to make sure it is being enforced correctly and that they are doing their bit correctly and legally, not trying to evade it or anything I just know these are likely done in bulk. For anyone that knows Birmingham city centre, it was St Martins Queensway. It was saturday afternoon and absolutely manic + my engine was overheating. Will be honest I've not driven this route in about 15 years and was fully using the satnav. See this link, my sat nav was telling me to turn left so I crossed over fairly late and turned into the tunnel which is as can be seen in this photo a bus lane, by the time I had noticed it was too late and I went into the tunnel about 40 yards where there is a gate on the right which I used to turn around in and come back out the way I had come. Now the thing is that the photos they have provided show me coming back out of the tunnel and turning left back onto the main road not going in. The lane I am in does not say bus lane. https://www.google.co.uk/maps/@52.478504,-1.8932093,3a,75y,236.94h,96.8t/data=!3m6!1e1!3m4!1sCqmX0jiPV2qJIHxsCBR0Rw!2e0!7i13312!8i6656 Now if you go back up the main road the way I had come, it was poorly signed and there were likely buses parked infront of the signs, I suspect I had only entered the left lane at the last second and entered the tunnel. Just to be clear I admit doing it however I think its pretty unclear and I was causing no danger or did I make or mean to make any gain from doing so. I guess I just want to make sure they are legally doing this correctly and if I have any grounds to appeal. I'm not going to risk £30 and my time if its not worth the effort. Its the principle though.
  20. Thanks. I can't get hold of him now but I've checked my bank and they say they can't see any issues this end. I know what you mean about the [problem] thing, I told him to ring and do it in person. I guess its to late in the day to do much now. I wish he'd carry his mobile grrr. Parents hey won't be told.
  21. Sorry of this is not the right place. My dad sent a large amount to me this morning via faster transfer. Was sent from his HSBC advance to my Co-op account. We set up the details the other day and sent £50 to test it was right and the payment this morning was via the automated phone system using the details which were already set up so they are 100% correct. Its 9 hours since and no sign of anything my end, he is not home and comes from the 3 day transfer age so doesn't seem concerned but I am pretty worried as I know its almost instant now. This must surely of been flagged up for further checks or something, HSBC did boot me out last year without reason so i'm hoping that is not an issue. Does anyone know what might be going on or the process for this?. At what point is there a serious issue?. I do need the money fairly urgent so it is a pain. Should of just got him to draw £300 a day for a month.
  22. Its an overdraft rather than a credit agreement. Good news re the 6 year thing.
  23. Haha and they know me already. Got as far as 2 days from court last year on another account.
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