It's not Very is it? (4 asterisks in your e-mail and they have been mentioned recently in the media for a complete hash of handling Mothers Day flower orders / deliveries).

And you have had confirmation from the prospective employee that these three 1 month late markers were the ACTUAL reason you had your job offer retracted? You do realise CallCredit only show selective credit history, you would need all your credit files (inc. full Experian and Equifax reports to get your complete history, and 6 years worth of addresses). I cannot really see (though obviously cannot definitively comment on behalf of the company) on how three 1 month late markers would lead to job offer being retracted. A default, CCJ's, CAIS, CIFAS or strings of 2 or 3 months arrears then perhaps. I would suggest that you contact the company who declined you and ask them some further questions. I have been in situations like this plenty of times, mortgage applications, credit and loan applications, job referencing etc. and like many of the population have missed an odd payment here and there purely through oversight, these have never stopped me obtaining employment or financial services. So I would suggest further investigation as they may have had access to, or seen information that you have yet to see (whether it's been placed correctly or incorrectly is an entirely different matter).

To cut a long story short, I moved address end of August this year, all my credit card companies / banking accounts were happy to accept change of address via their website / online facility. Excepting 1 company whom would only accept COA in writing. Duly sent letter confirming new address and have since received statements at my new address. I have in the last few days requested further finance from this company and only during a telephone conversation this evening discovered that they did not receive, or more likely did not correctly process my change of address. This meant they were not willing to offer further finance products to my new address as according to them it is still unverified. I have, however been receiving postal statements with personal financial information from this company to my new address. I am dealing with them and sending for a second time the requested confirmation, but surely if they are saying my new address in unverified, they should not have been sending personal information to an unverified address? Can anyone with any knowledge on this advise if they have been contravening the Data Protection Act by sending statements to an address they consider as unconfirmed, as I am due to send them a harsh e-mail in the morning with regard to this.

Is this account in arrears? As txtloan only offer £100 fixed loans for 1 week as a rule.

British Gas do - and others are set to follow suit.

I believe 'Service Charge' is their way of making 'Interest' sound much nicer! I opened a JD Williams account and within 5 months my credit limit was £900. I have not purchased anything since my initial small order. Slightly O/T but I'm amazed at some of their prices on high street lines, sometimes over double other retailers selling price and then their extortionate interest on top!

I stopped at a Travel Lodge with a partner about 3 years ago, we were out for the afternoon and on our return the television was on with a static almost teletext looking page stating that smoking had been detected in our room and we would be charged as per their t&c's. Neither my partner or I were smokers. What we did notice though was that the fire detector / alarm had been covered over with a dust protector and a solitary cigarette butt in the bin in the corner. We never did work out if they were there on occupation of the room or mysteriously appeared over the course of the day we were out. However we flew down to reception and gave them a few stern words. Their response was not far from the lines of 'oh, that was probably the cleaners......'

Refer them to their own Fair Fees policy which states that no charges are incurred if your account is brought back within it's OD limit (or back in to credit if no OD limit) by the end of the day the transactions occurred.

Refer them to their own 'Fair Fees policy' which states that they will not charge a fee for any request of £10 or less. I'm not sure how or why they have charged you £25 for each £10 transaction. They also state they will never charge more than you are over limit by (which means if you were less than £134 OD in the month they are also breaking their own rules).

I recently noticed an account for 'Santander Cards' on my credit file too. It was only when I looked at the credit limit that I realised it was my store card (Topman in this case) which used to be run by GE Capital but now seem to have been taken over by Santander.

Having watched other stories about non-payment of cashback through Quidco unfold, I am certain that there is no comeback if your cashback is not validated or declined. The offer of cashback is not part of the 'contract' you have had (in this case) with Virgin trains. Cashback is an incentive but is never a guaranteed component of a transaction with a merchant who offers cashback through Quidco. Better put, it's a bonus that is subject to availability. They do state that they promise to give you 100% of the cashback that you earn (minus the £5 annual membership deduction) but they cannot guarantee that a retailer will pay the cashback to them (for them to pass on to you). Have you raised a 'ticket' with Qudico regarding the declined payments? They quote that they will look in to all disputes and raise them with the vendor / merchant but again cannot guarantee to reverse / reinstate declined cashback. I recently had £10.50 cashback due from an on-line purchase declined. I was a bit ticked off but not a lot I could do so just wrote it off. Like I put it above, it's a bonus not an entitlement. On the other hand I have just had £150 cashback from Sky validated and £50 from o2 - and would have hit the roof if these had been declined, but thankfully they're due to be paid the end of this month. Good luck if you do decide to pursue this. EDIT: From their website: We will not be liable to you or anyone else, whether in contract, tort (including negligence, breach of statutory duty or other tort) or otherwise: for any loss of revenue, business, anticipated savings or profits

Pathetic claim. What if a child had a bad accident and needed immediate attention to a deep cut or ressucitation or similar? The trained first aid staff the nursery should have would not be able to touch the child and possibly leave them to die? Can't have it both ways.

As I've had a previous interest in autographs I have just checked this website and I must say some of the 'authentic' autographs they are stocking are a COMPLETE JOKE! There is one in particular which is NOTHING like the artist's signature, more akin to a 4 year old's scribble. I can't comment on many so I'm sure they do carry some perfectly legit items, but please if they are so called experts in their field surely they would compare some of their stock to widely available examples of the celebrities actual signature. I personally would avoid any site like this. The best way to obtain a genuine autograph is in-person.

I've never encountered a Letting Agent that undertakes a fresh credit check on renewal of a 6 month tenancy so I wouldn't worry about that. They may ask for a further 6 months rent though again if you've been a good tenant and kept the property in good order and not had any bad words with the Agency I would think they may just offer a renewal (if available) under normal terms. My last tenancy began with a Guarantor being required but after the first 6 month term this was no longer asked for. I would recommend contacting the Agency and asking what the renewal conditions are likely to be - at the same time pointing out that you would really like to remain in the property as a good tenant. I'm sure it's primarily up to the landlord who may well consider that this option is better than looking for a new tenant (my latest rented property - due to commence on the 26th was referred due to a CCJ from 2004 but all they did was add £150 on to the deposit I needed - and this was the landlord's decision, NOT the Agency's).

I know this won't really be considered help, but I would seriously consider changing banks when this is all resolved! I know these charges are technically not legal however there are banks where you would have been a lot better off in this situation. For example I bank with HSBC and for those 4 transactions occuring where there were no funds available, HSBC would have charged me £0.00. Any amount £10 or under is not charged and any above is never charged at more than the amount itself, up to £25 max per single transaction. There are more lenient banks out there (while we wait for these practices to be reviewed for once and for all).

And what if the default is infact correct?

Depending on 1) If you're found out and 2) How seriously the referencing agency regard the matter I think it is possible (though unlikely) you will end up with a CIFAS (fraud notification flag) on your credit file for all future agencies to see. You don't have to be submitting a credit application for these to be set (ie insurance claims / utilities can and do use these). Application fraud is never a good idea. But I hope for your sake this doesn't lead to any long-term problems.

I would say from experience a default has a significant effect on your credit worthiness (in the eyes of most companies). It's considered just as negative as a CCJ by most lenders at the moment. On the subject of maybe taking credit next year, I would strongly recommend avoiding any further commitments until you have resolved your current situation (which may take some time). Seriously, I've been there and the extra commitment on top of what I already owed really did me no favours.

I moved in to a newly built block of apartments in June 2005. Had great difficulties in registering for utilities etc. as I also did not have an allocated postcode, just a plot number registered under the builder's name. I didn't have any problem getting a BT landline activated though. Being 4 years ago I can't remember how they did this and things may have changed in the meantime, but I know back then it was possible, I don't think I had to wait more than a week or two either - had more problems with the phone connection wiring the builders had installed, was a complete bodge job which meant trailing wires from the bedroom - but it was certainly possible to be connected.

Hi. I believe cheques are made payable to 'CTP' (standing for 'Cash 'Til Payday'). The problem is, it is normal for them to put your cheque guarantee details on the reverse of the cheque and you are always told to leave the date blank. There is usually no way to cancel a guaranteed cheque, though I could be wrong. If the cheque is to be presented tomorrow, they usual hope you will go in and extend (roll-over) the 'loan' by paying cash / debit card up until noon on the same day. EDIT: You are also allowed to 'settle' the cheque, whereby you will be handed it back upon payment of it's face value. This again can usually be done up until noon on the same day as it's due to be banked.

Will try and keep this brief, it's for a friend who has recently moved out of a rented house (rented via an agency). The agency are retaining the full deposit for dilapidations and are aggresively chasing a further payment for extra costs incurred. The main points are this; 1) The tenant kept a cat on the premises (by prior agreement). The cat left scratch marks around the lower lounge walls damaging the wallpaper. The tenant agreed to allow the landlord to redecorate. The original wallpaper was, however, cheap and shabby. The AGENCY went out and purchased wallpaper at £16.99 a roll. It would not have taken an expert to notice that this was excessive to replace the cheaper wall coverings. The agency has then forwarded an invoice from the 'decorators' for redecorating the lounge. It would seem the company that redecorated is untraceable, no VAT reg number or company reg number - and the tenant was aware that the actual landlord's parent did a lot of work on their portfolio of houses. I would anticipate that this company name is not a company at all but a front for the landlord to use to claim excessive repair work. Is the tenant entitled to request the VAT reg / company reg of the people they will be paying (the invoice is asking for payment direct). Also, the company name is clearly an electrical business - yet on their invoice they are seeking redecoration costs, cleaning of the flat, repair to a fence and other items. Seems a bit dodgy to me. 2) The invoice from the 'electrical company' for cleaning simply states 'pre-let clean' @ £70. Is the tenant allowed to request a more detailed breakdown of what required cleaning? 3) The agency is insisting that a whole (shabby) bedroom carpet is replaced due to 1 cigarette burn by the tenant. Is this acceptable? Could the mark not be repaired as I would think the entire replacement is disproportionate? 4) The tenant received no information on their deposit being protected under the TDS. Are they entitled to seek proof now that it was being protected during their tenancy? Any help on any points much appreciated. Am waiting to write a letter to said agency on their behalf!

Correct. In my borough, unfurnished properties are eligible for a 100% discount (ie no council tax) for up to 6 months. I would also add that since the OP would no longer be the occupant or owner then no council tax would be payable for the last month.

Yes, I've just read up on that. The agency / Landlord are entitled to any arrears on the tenancy agreement which I'm guessing would be 2 months before they commence eviction procedures. I guess I'm going to have to approach them with an alternative that is easier / swifter and mutually acceptable to both parties. Can I ask re the future renting - obviously I would not be able to use the same agent in the future, but does your credit file get marked accordingly ie what marker can they put on there? I'm going to try avoid this route at all costs of course.

That's what I was thinking. The property could be back on the market within the next few days and the agency would have a few hundred quid in hand for doing, well not a lot. I was also wondering what is involved in an eviction procedure? If they are not interested in negotiating, what would happen if I just was not forthcoming with the rent? Would this not in theory end the tenancy agreement forthwith? Or are there more costs involved?

I signed a 12 month tenancy agreement, with a 6 month 'break clause' (if that's what it's called) just before the Bank Holiday weekend (5 days ago). For personal reasons that I don't think would affect the advice required, I am looking to exit this agreement. I haven't moved any personal effects in to the property yet (I've only done a bit of cleaning). I don't have the tenancy agreement to hand (it's at the property), though I can only seem to recall in their charges list, an 'early re-let' fee of £195. I'm aware that some agreements include a clause whereby the tenant is liable for rent until a suitable new tenant can be found, but if this agreement does not have this inclusion, would I be liable for just a £195 charge? And on the off chance, if there were the additional clause would I be likely to have course for renegotiation, I'd be willing to offer a max of 1 months rent. There is little likelihood that I will be able to fulfill the tenancy due partly to health reasons.