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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

siennasmummy

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Everything posted by siennasmummy

  1. siennasmummy
    Hi, Does anyone please have the bank details for Amigo loans? My brother has to pay them he is in an agreed monthly arrangement but does not want to give them his new card details as he thinks they might take whatever they want. He want to pay cash in at the bank so we were wondering if anyone has these details please to make payments? Or any other way? Thanks.
  2. siennasmummy
    Thank you, I also forgot to say...we have a 6 year old daughter. We get child tax credits for her. Are we better off going into the job centre and explaining the situation or should we wait until he actually gets paid the SSP into the bank and then contact them?
  3. siennasmummy
    I mean I'm not sure what the weekly rate of pay for SSP is
  4. siennasmummy
    He gets £23 per week working tax credit and as he hasn't actually received the pay yet, I'm not sure what SSP is...whatever it is per week. He is off for a least a month, possibly more. Thank you for the comments. I have no idea what ESA is and I wouldn't have the first clue how to go about trying to claim any of these benefits. He would probably return to work before they were all sorted out anyway. Somebody suggested that we ask for a crisis loan when he receives his SSP. Is that a good idea? Many thanks.
  5. siennasmummy
    Hi, My husband works full time, I'm a stay at home mum...but now looking for work and have been for the last few months. We do claim tax credits but I don't actually claim a penny for myself as I'm not entitled to anything due to my husband working. I also don't really know anything about the benefits system as before I stayed at home, I always worked. My husband is currently off sick from work. He picked up a full wage on Friday (which is a month in arrears for sick pay) and has been informed that he is not receiving any company sick pay, just SSP and at the end of September will just receive that for the period 9th August to 5th September. Which is going to leave us in a right mess financially. My question is this....due to my husband currently only receiving SSP temporarily, can I claim income based JSA for the weeks he is off sick? As I'm pretty sure if we were both unemployed and receiving benefits, we would be picking up more than he will be getting. Thanks for any advice.
  6. siennasmummy
    Thanks for that, I've just typed it up. If and when he returns, I will post it through the letterbox to him. That will be interesting lol.
  7. siennasmummy
    Hi, Today, a debt collector has knocked on our door asking for me. I was out at the time but he says he will keep calling back until he gets me! Apparently he is from Robinson Way, but I have no idea what this is about or how much etc. Yes I am in debt and trying to sort it all out, I have had some advice off here and through national debtline and know a bit about it all. Am I right in thinking that he should not be knocking and asking for money without my prior agreement? If so, I am thinking of passing him a letter when he next calls, explaining that I will not deal with debt collectors at the door but I am struggling to find the right wording and would appreciate your help. If the company write to me directly, showing their ownership of the debt and indeed some proof of what the debt actually is, I am more than happy to start negotiating with them but I don't want people hammering on the door and showing me up in the street. I am also expecting family next week from Scotland for two nights and certainly don't want him turning up when I have people over. Thanks for the help.
  8. siennasmummy
    Hi, After thinking about it and from your advice I actually contacted them and cancelled my application. I will think of another way to try to improve my credit rating. Obviously, I am paying all of my utility bills on time etc and I have a sim only contract at the mo which I'm paying fine so that should begin to help anyway. Thanks again.
  9. siennasmummy
    Hi, Just wondered if any of you have used Sunny? It's different to the usual payday loan as it gives you a credit limit and then you choose when and how much of that you need, a bit like a credit card. I signed up for this earlier as I thought this might help my credit rating a bit if I use say £100 of my £500 limit and then just keep repaying in full each month. However, it said I was approved with a £500 limit and when I requested just the £100 it kept saying "doing final checks" (so obviously not approved as previously told lol) but that the money would be with me in 15 minutes. It isn't and my Sunny account still says the same. Did any of you have this happen? Thanks.
  10. siennasmummy
    Hi, Sorry to jump in here but I'm after some help for my sister. She had a loan at Christmas from Lending Stream and has just defaulted. I have had payday loan nightmares 5 years ago and so have advised her on what to do ( and never to take one out again!!!) She just wants to know, do they send letters to her home or will they email her about repayment as she still lives with our parents and is worried that they may find out Thanks
  11. siennasmummy
    The only person liable for a debt is the person or persons who's names are on the agreement. I had this happen to me once. They took £350 from my own bank account to pay a debt in my Husband's name. The only way I got it back was by ringing the company and telling them that if they did not refund me within 24 hours, I was going to report them for fraud, ring the police and go to the newspapers. They then apologised and I got my money back. I'm sure this is illegal and your husband must ring the fraud department of his bank and tell them to chargeback the money immediately. Also, the fact that you only owe them £150 plus one month's interest, I would also write to CFO and tell them you are reporting them to the OFT for unlawful and unfair charges as well as raiding someone's bank account whom apparently owes them nothing!! £996 taken already? Shocking!
  12. siennasmummy
    Ok thanks for the advice
  13. siennasmummy
    Ok thanks, I also forgot to mention, he also got emails from Marshall Hoare Bailiffs who I know are also the same company. They were the last people to contact him in January. Are they legitimate and can they really, legally say that they own the debt even though we know they are still the same group?
  14. siennasmummy
    Hi, My other half has been having problems with these for over a year. He had a loan of £300 or £400 off them and basically, rolled it over loads of times and then he tried to sort out a repayment plan. Obviously, they wouldn't accept any and now the debt apparently stands at well over £2000. He originally had the loan off " Paycheck credit" but had constant emails from Paycheck credit, Toothfairy and NDR all about the same loan?? Where do we go with this as there is NO way he will pay then the ridiculous amount they are claiming and as we have heard, Paycheckcredit no longer exist. Any advice please? Thanks.
  15. siennasmummy
    Hi, Yes I said the same to her and I have showed her all the replies and thankfully, she is not going to take one out! In stead, she is going to sell a couple of things. She said she really wants and needs this holiday and so she can part with a couple of material things and at least she won't have to pay anything out when she gets home. Thanks for all the advice
  16. siennasmummy
    Hi Fletch, I have text her and apparently she changed banks recently and can not increase her overdraft at the moment as she is new. Also it isn't her deposit she has already paid over 600 pounds she just needs to pay the rest by Friday. Thanks.
  17. siennasmummy
    Thanks, yes I agree......but then I can't tell her what to do. I will mention about the credit union but I doubt she will bother with that. I just hope that if she does take one out, she just pays it off and never renews it. I would hate to think of her in the same mess as myself and many on here. When I took out a loan with Wonga and QQ I got a letter off both of them with my terms etc on but I can't remember if I had any others. Thanks anyway.
  18. siennasmummy
    Hi all, I am typing this on behalf of my friend. She has never had a payday loan in her life and I have advised her not to as I have gotten into a mess with them myself. However, she needs some cash to pay off her holiday before she loses it. There is nobody to lend it to her and her parents are very against any kind of debt. She just needs 200 pounds. She has asked me if there are any payday loan companies that do not send letters to your home as she does not want her parents to see them. Her mum has opened her mail a few times (yes I thought that was bad too!!). Anyway, she is going to have it, pay it off and never have one again I hope. I can't remember who does and who doesn't send a welcome letter etc but I think Wonga and QQ do. Can anyone advise on this please as I can't think of anyone else who may be able to give her the info. I have tried to get her to think of another way but she says it's this or she will lose all what she has already paid and her holiday. Anyone?? Thanks.
  19. siennasmummy
    Ok I have just cancelled it and I am about to write up a letter to post off. Thanks so much for your help
  20. siennasmummy
    Hi thanks for the reply, It could be DWP debt management yes. We want to stop the DD today really and then contact them to say we think it is statute barred but I'm not too sure how to go about it.
  21. siennasmummy
    OK thanks, I wasn't sure how it stands with it being the DWP. Should he write to them explaining that it is statute barred? Or ring them again? Thanks
  22. siennasmummy
    Hi My husband had a crisis loan approx 8 years ago and he paid some off and then must have not paid in full. We moved house etc and now he has had a letter from the DWP demanding the remainder. He rang up and the lady said he last made a payment 7 years ago. Is this statute barred? Or does it not count if it was a loan from the social fund? Also, he agreed to a £15 per month payment plan and set up a direct debit to start in Feb. However, upon checking his account, the direct debit set up says the company name is "CRG" nothing like HMRC or DWP does this sound ok as we are worried it may be a [problem] and do not know what to do. Please help.
  23. siennasmummy
    Hi, Thanks for the reply but it doesn't really tell me anything up to date. I was in contact with them until recently but everything has gone quiet and I am wary of paying money into an account for a CCJ if they have stopped trading etc and I do not know my balance. Should I contact the courts?
  24. siennasmummy
    Hi, My husband had a loan with Debit Card Loans who are the same company as Chequebook Loans Ltd and this ended up going to court and he has been paying £20 per month. He paid as normal last month and asked for confirmation that the payment was received (which he does each month) and also for an up to date balance as it is nearly paid off. However, he has had no replies. He sent several emails and also to advisror 213, advisor211 etc (the people who work there who he has emailed before and got replies from) All are coming back as undelivered. Does anyone know if this company is still trading and if not, what does he do about his payments and the remaining balance please? Any help would be great.
  25. siennasmummy
    Hi I normally see my wages by about 10pm the day before they are due to go in but they are still not showing for today (28th) I just wondered if anyone elses has updated and shows theirs gone in.

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