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About gideonssword

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  1. My daughter has been private renting for 6 months, Today she mentioned that when she needs a repair doing a council van turns up. I searched on land registry to discover that she is renting her home from the council but paying private landlord rental fees. How can they charge her considerably more for rent yet many houses in her street owned by the same council they are charging them tenants much less.
  2. I took a vehicle on Finance provided by the car finance company on 16th July 2014 first payment due 2nd of August 2014. The amount of credit was £4850 I have paid 24 payments of 236.05 at an Apr of 49.6% I asked for a settlement figure and they said if it's paid by 10th of August it would be £2448.19 If I paid after the 2nd of August I would only have 11 payments left which including interest would be £2596.55 I would only be £150 better off by settling it early. I thought according to the law interest is capped at 0.5% if you have 12 months or less remaining to p
  3. Thank you dx100uk Much appreciated.
  4. Hello, Am I correct in assuming that all debts prebankruptcy and the rights such as PPI remain part of the estate belong to the official receiver. Would I need to obtain special permission from the official receiver to acquire the rights such as a PPI award? I was discharged from bankruptcy just over 2 years ago
  5. Thank you both for your input it is most welcome and deeply appreciated.
  6. Thank you. VT is something I had considered has the car will be 9 years old this year and if I let the HP payments go the distance I wouldn't get much if I part ex the car. I'm just worried that they will try to pursue me for extra money afterwards.
  7. I took a vehicle on hire purchase from the Car Finance company in August 2014, over a period of 36 months with an APR of 49.9% I have paid 19 payments never missing any. I hope in 5 months time at the 24 month stage to have saved enough to settle early in full and final settlement. I believe that by law the interest is capped on what the Lender can charge in the event of early settlement. Can someone please explain how this works out?
  8. Hi, I have changed trusts, although I am entering into my 3rd year of NHS service it is with a different NHS trust
  9. I started work as a band 2 Healthcare Assistant on 3rd of February 2014 on point one on the payscale. In April 2015 point one was abolished for a band 2 so new starters would start on point 2 On 3rd February this year I'll be moving into my 3rd year of NHS yet I'll only go onto point 3 so it feels like I'm a year behind. Would I have a case for asking for the next increment up?
  10. gideonssword


    I worked at an NHS hospital 2 years ago on a temporary contract. When I left I was supposed to hand my uniform in to be destroyed, I am an Healthcare Assistant. I have just returned to the same hospital to take up a permanent post. The hospital will not let me have any uniform this time unless I pay for it out of my own pocket. Can they legally do this? I thought they as an employer they have a duty to provide clothing for the particular role.
  11. I am on a 3 year service plan for my Nissan note which I pay £14.46 per month and at the appointed time they service the car and I don't pay anything. During the week I took it for a service as the service indicator sign was on. To my amazement they refused to service the car stating that it was too soon from my last service and demanded £80 as it was a major service and they claimed it was too soon from my last service. I've had the car 17 months when I started the plan the vehicle had 36500 miles on the clock it now has 64150 on the clock and this would be my 3rd service since
  12. Hello, Yes he is named on the birth certificate so would have parental responsibility.
  13. Thank determindator I think now that my daughters boyfriend doesn't have the maturity to look after a baby. Maybe I'm wrong but he could be looking for a way out and hasn't got the guts to be honest about it.
  14. Thank you for your responses, I hope they can talk things through.
  15. I have a grandson who is a 1 month old baby, my daughter has lived with the babies dad for 6 months. Once the baby was born he changed so much. He won't feed the baby, change its nappy or anything he just plays on his PlayStation. Him and my daughter are both 20 years old. He called my daughter an unfit mother and all sorts of names basically psychological abuse. My daughters boyfriend has gone to stay over at his mum and dads tonight they are demanding the baby tomorrow at 10.30 am for several hours my daughter is fretting that they won't hand him back. If the d
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