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Everything posted by stuggling

  1. It hasn't been sold it's them, as we get emails of them to pay we made full payment today to clear it as wasn't going to get rid of it with the reduced amount and just put a bill on hold, and I'm.working OT to cover hopefully
  2. It's monthly payments and a statement is enclosed in Feb 2021 in hospital of which they know and agreeded £5pcm but made more payment I could thinking it was clearing the balance Screenshot_20220613-120554_Drive.jpg.PDF
  3. Got an item lf fair for you, due to a reduced income month's and months later had to reduce monthly payments, only had £289 left to pay but after making my monthly reduce amounts it would only cover interest so would never get cleared i paid £192 but still shows outstanding balance of 223.19 so would still only be paying interest. I understand interest is part of the contract I'm just wondering if this is acceptable as I would never have it paid off if I carty on only making the monthly amounts I can afford
  4. Quick background info, I was agency staff with the company from March 2021 became a full time member of staff Jan 2022 so had to do probation of 6 months again (so still in probation) My partner was taken ill start of April but I had holidays so these were used while they were in hospital, discharged but still under a different hospital during to potentially having cancer. I have not been to good mentally with it all, so was signed off from April 26th till May 25th, due to being on probation I was told if I did not return to work by 11th May they would potentially terminate my employment, so I was forced back in to work. (They really drive it in that after 14 days sick I would most likely be sacked as on probation ) I'm now having a meeting due to taking 5 days sick and either terminating my employment or extending my probation. I have never had sick before, done all the overtime, trained new Staff, gone well over targets needed, was assured I would be of probation sooner but now all this which is out of my control is telling me different!! Were do I stand with it all, i have a very ill partner and 4 children I'm trying my best to hold it all together but this is not helping.
  5. They have had invoices showing its paid and bank statements and a letter or the childcare provider but still want back statement to show childcare provider name I explained and showed a letter that it is the online booking system and the provider has given a letter showing this too! We due a payment on 13th not counting on any money for the childcare
  6. Me and partner are now both working full time we have to pay our childcare costs upfront, but it's alot and universal credit are being really stubborn on what is needed as proof, I've sent everything requested over twice and a bank statement , but the bank statement is not in the club's name but the booking sites name which we shown to universal credit, we need the money back to pay this month's. Also my partner was in hospital and was then signed off for just over 8 weeks, he got basic sick pay which universal credit decided to put us on the the capping thing, which shouldn't affect us now but we have struggled the last 3 months due to it all, and now this it's completely thrown us we are worse off on universal credit
  7. Will do thank you! ive been told on phone the following : UC Mac award 2424.15, they only deduct 831.78 and 291.42 for carers they then add my partners earnings on 1612 and the carers allowance of 67 a week, ive asked for a full official breakdown
  8. Thanks, nope no breakdown they don’t Bother just an email to say bill is now due. my HB is paid direct to landlord from UC if love you have 1300pcm it would be a huge help, but we don’t and it seems since Uc came in it’s really messed this up!
  9. I’ve applied for council tax help, but I’ve been refused, Our UC is 2424.24 before deductions after we normally get 530, if rent and advantage was not there it would be 1299. today they sent an email saying they only take 831 and the carers element of 291 out of it, so I should get 1300 a month which is correct, but we have the rent paid with the UC My partners wages are different each month but they say even with 1300 we not entitled to any help, I’m lost as we don’t see the £1300pcm we only get roughly 530pcm my patented only ever gets 1600 pcm in wages max. I can’t find a breakdown of what is ment to be used for it as when I do entitled to and the councils own calculator online it says we entitled to £25pw to help
  10. I didn’t agree to the repo the guy came every day and ended up blocking my neighbours drive (were the car was stored) for 6 hours, the neighbour needed to leave and caused a huge commotion and he ended up taking the car. im not sure as to why now I’m hoping the SAR will show this, but as it’s correctly on there I can understand it needs sorting,
  11. Yeah sorry the car, yes correct date I’ve all my paperwork showing last payment etc I’ve called fos and they forwarding the information they got of them
  12. It’s still with the original company, I’ll dig out the FOS stuff I think they were waiting on a response from them which was sent in March this year (but I’ve not had anything) I was never able to do the time order due to costs I know I’ve made a mistake not chasing it all and sorting
  13. Ok thank you, i defaulted but cleared the default by the date needed, and I fell into arrears again but they repossessed the car on the original DN. even with an arrangement to pay (which they didn’t agree too but i maintained payments, I’ve managed to find my bank statements to show this, as I know i commented I missed a few payment with the plan but I found payments made to them) they sold it and now I’m left with £8000 to pay. I’ll await the SAR response, thank you
  14. Ok thank you, I know it was a mistake to just leave it. I will do the SAR today and send it off. thank you
  15. Thank you for opening this back up. i logged into my credit file and today noticed that they had put it on my file with 2 years of default! I have still not received the SAR and no response for it, when I asked again this morning I got a response that they closed it in March and I owe the money. I did say I’m still awaiting on the SAR but they haven’t responded . I was hoping to move and now I feel I won’t be accepted as this is now on my file and is for nearly £8000
  16. A few years ago now I have another thread but can’t post in it sorry car was repossessed and I’m still awaiting the SAR, today they updated my credit file and now 2 years of default on there and saying I owe just under £8000, I’ve contacted them again to sort the SAR but nothing they saying the complaint was closed in March and I owe the money. I was trying to move house and now this is on file it’s unlikely I will be approved any help on what I can do to get them to do the SAR please
  17. nooo! I hope not as when we looked further into it, the motorway thing didn’t happen then, so we have no clue what it is, but funny enough it was the date the insurance renewal was!
  18. Ok thank you the thing is who do I send it to as the insurance company is gone, I’ve no police reference would it be the car reg I could use to retrieve it?
  19. Got a new insurance and today we received an email to say, I had an settled fault claim on my file from 2016 from an old car! this is the 1st i heard of it and was in shock, never been in accident that needed a claim (a car hit the back of us on the motorway no damage to either car and the guy even admitted fault as was on phone, and we had a police log for this well we hope as we called them) or had any claims!! we have tried to contact the old insurance company Octagon but they have gone! and the contact information we have is just an email for them and keeps getting bounced back. Im worried as now it is showing on my file that i have settled fault claim! any help??
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