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  1. Hi folks, It would be valuable if any of you guys may offer an insight on my and my siblings current situation after the passing of our father a few years My Dad, a successful businessman, divorced my mum years ago when I was in my early 20s. Their marriage had been pretty dysfunctional for a long time so it wasn't surprising. My Dad remarried a few years later to a subordinate from the establishment he worked for, also a divorcee. After originally having some animosity towards her for the divorce, perhaps misplaced, over the ensuing years we got to know her personality.
  2. I was wondering if banks will remember my bad debt even though they sold it on many years ago and it is no longer on my credit file. I applied last year for a TSB account and after acceptance, once I supplied my ID my application was declined. I have never banked with TSB although I did have a defaulted loan and current account with HBOS. Both long ago sold on and now Statute barred
  3. Hi I am so stressed out. I've been at a University address since recently and came home to parents house to discover i have had a CCJ filed against me last month for an old catalogue debt and have been ordered to pay £50 per month with the first payment due in the next few days. I don't dispute the debt I just have no money and as I have now just completed my final year at Uni I am technically unemployed. I will be moving back in with parents very soon and am worried a bailiff will be paying me a visit and cause great embarrasment and distress to them. I've done some prelimin
  4. Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for ou
  5. Hi Again.... I have a problem that I ought to have dealt with, but have not because I had more pressing issues: 4 sets of serious or urgent litigation that had deadlines, or financial priority: I had and still have a collapsed lung, I sadly have a deceased mother in law, a baby, who ended up in special care, while my wife almost bled to death during an emergency c section, I've bought a new house that the surveyor messed up big time on, I have had 2 new jobs, 2 surgeries and a tumor in my colon. I know they are not excuses for delay, but it has truly been a crap few years and
  6. Hello, I ordered built in wardrobes and some shelves for the existing wardrobes. After 6 weeks two gentlemen appeared and installed some of the items in awful quality, the shelves are not in line, pencil markings everywhere, dents to the existing wardrobes, etc. Along with that they ruined my cream carpets (I moved into a brand new house a 2 months ago! carpets are still in majority covered by the protective plastic layer, but everything around is now grey. In addition they put one of the wardrobes on top of the plastic !), stained the walls and ceil
  7. Has anyone with bad credit managed to finance a vehicle 'sensibly'? Cars don't last forever sadly and ours is soon going to need a lot of work (including a new gearbox) to get it through an MOT and keep it on the road. Without a vehicle, self-employed hubby can't work, so we're really worried about what to do because we don't have savings to pay for this. Not quite the typical post on here, but hoping someone might have been in this situation.
  8. Hi hope someone can help? My mum has dementia. Last year she telephoned BT to get her internet and home phone bills reduced as she was being charged for services she wasn't using and she was out of contract. They signed her up to a 18 month contract which has increased her bill plus the stop nuisance call service she pays extra for hasn't stopped the calls they have in fact increased sometimes calling in the early hours of the morning. I have telephoned BT who have apologized and agreed to lower her tariff but we are not happy with the service especially as she has been paying so m
  9. Probably not the right place for this.. however... Health professionals for years have said that Butter is bad for us - Dairy farmers cut back on their herds and/or went out of business whilst consumers turned their attention to low fat spreads or margarine. Now... Meanwhile, thanks to the scaremongering - small dairy farmers have gone out of business and the Consumer is now forced to pay higher prices for not only the raw product - but anything that contains it !
  10. Hi all, Hope I can get some advise regarding a problem we've had with roofers. We are extending our house with two extensions and my husband has done most of the work himself but decided it was better to get a professional in for the roof membrane, battening and tiling. He found a guy on MyBuilder who said he's done similar work and had photos to show, so after discussing costs, we decided to ask him to do the membrane and battens to suit the tiles we had bought, and to tie in the new roof with the existing one. He did this, we paid him and then he decided he was too busy to do the re
  11. Hi everyone , I will try to keep this thread to the point and as short as well. I have a Samsung Galaxy S7 Edge on Contract with Vodafone , I think the contract is about 5 months old and the mobile phone developed a fault that would not allow the phone to charge. Being under warranty: I contacted Samsung who arranged a collection on Thursday 5th of January 2017 using UPS Courier. On the 9th ANOVO (Samsung repair Centre) Horrendous reviews : https://www.yell.com/biz/anovo-uk-ltd-norwich-7746761/ http://www.192.com/atoz/business/norwich-nr6/mobile-phone-repair
  12. I bought a Mercedes S class S400 hybrid from Mercedes benz of Edinburgh in March 2014 to the tune of £84k. I work as a London Chauffeur providing chauffeur services to some very prestigious clientele. From the beginning I have endured nothing but Serious problems. The car had a serious engine cut out problem whereby when the car was transitioning from Hybrid mode to engine it would unexpectedly just cut out and there was no throttle. Of the many times that this happened there were two in particular that were actually life threatening and both times i had clients on boar
  13. Hi everyone My current EDF tariff is due to expire in March and so I've been checking out various providers and tariffs to see what's out there and what's good. A company called Iresa Energy have consistently been showing up at or near the top of every search on every website I've checked. However... I've never heard of them before, and info and customer reviews/ratings seem a little thin on the ground. So I was hoping to glean some advice/info from this wonderful place... Knowing that if you've had a lot of people talking about them on here... that's not always a good thin
  14. I have mentioned before on the forum of the dangers that debtors face when they visit popular 'social media' sites and apply to join 'closed groups' that claim to offer advice to anyone who has received a letter or a visit from a bailiff. These sites profess to help debtors. Don't be fooled. In the case of this particular thread, the social media site page in question has one aim only and that is to ensure that payment is never made to a bailiff. That is their overriding aim. Debtors joining these 'closed groups' wrongly believe that what they post remains a secret. It does not. A
  15. British Labour Party member of parliament Jo Cox is in a "critical condition" after an attack, broadcaster Sky News reported on Thursday, citing sources from her political party. It is said the MP intervened in a row between two men when she was shot. "There was a guy who was being very brave and another guy with a white baseball cap who he was trying to control and the man in the baseball cap suddenly pulled a gun from his bag." After a brief scuffle, he said the man stepped back and the MP became involved. He said: "He was fighting with her and wrestling with her and then
  16. Please excuse my spelling Hi on the 5th of june 2016 i was involved in a accident, which is a possible fault claim however this is still under dispute as i do not believe i am at fault. i called up hastings the next day to register my claim, they deemed my damage repairable and suggested i use a company called albany, the worst mistake i made. They also agreed my car was repairable. I was told i would have my car collected and given a courtesy car within the 24 hour time limit albany had to adhere to, I registered with them at 4pm on 6th of june and was told
  17. Big stink in the US house http://edition.cnn.com/2016/06/02/politics/paul-ryan-endorses-donald-trump/ Steven Hawking says its 'really bad man' http://www.newyorker.com/humor/borowitz-report/stephen-hawking-angers-trump-supporters-with-baffling-array-of-long-words
  18. This is a strange one, hope someone can help. I took advantage of an offer to switch current accounts for circa £100 in May 2009. I filled in the forms, my salary and debits moved across. The problem was that Santander did not agree to match my existing overdraft (£500) and didnt communicate that the overdraft had not been granted but moved my finances over anyway. So I quickly moved back to my previous account and requested that Santander close the new current account. I recall speaking to a manager on the phone, who agreed to close the account with no charges and in exch
  19. in the past I was total apple iphone only upto the 6 I would replace both my handset's every year with question until they released the 6 so thin it looked liked the camera was superglued on the back such a bad handset (hopefully the new one will be better) I always buy my phones second hand to save on money, in the past I have purchased an iphone that got network blocked, I took the handset back to apple who told me the phone was blacklisted in the UK but not to worry and promptly replaced the phone with another without any questions what so ever so a few days ago my wife's Samsung
  20. Hi all Background My 12 year old son has a condition called Sinusitis. This is where he has severe Head aches, in the morning, gradually decreasing through out the day. He has been off since late January. He has been for a M R I scan to check his brain, all came back clear. So now it has been referred too County, Missing Education and Child Employment department. We have a meeting scheduled,on May 9th. 1- Has anyone been through one of these meetings and can Offer advise. 2- I have been informed that at the start of the meeting, We will be cautioned,
  21. Hello, seeking legal advice please. I own a Honda S2000, the original differential failed so I purchased a spare from a Honda breaker. The spare was described as being "70,000 miles, with no rattles and in working condition". The new differential costed me £150. I had a garage professionally fit the differential for a sum of £372.96 including VAT on the 04.04.2016. Upon installation it was discovered that the "new" differential was suffering from a rattling symptom which is indicative of pion bearing failure. I can have the garage provide their professional opinion if required.
  22. You get excited about buying a new Iron
  23. Hi Guys, Hope you can give us a little advise. We moved into our property December 2013, and went with SCS, they organised the fitter as seems to generally be the case and all was well. Or that's what we thought up until fit. The fitter did a very, very poor job, and we've been working with SCS to try and get this resolved for over 2 years. The original fitter came again out once shortly after the original visit, repaired a few issues and tried to fob us off saying let it lie and it'll sort itself out, as time went by more and more flaws became glaringly o
  24. An example of when things go pear shaped, if the innocent had not paid it seems her car would have been auctioned before the mess could be sorted. A third party debt for a penalty in a town she never visited. http://www.dailymail.co.uk/news/article-3493711/Non-smoking-mother-forced-pay-650-fine-dropping-cigarette.html
  25. Hi, I Recently Thought of Getting My Credit Reports , On My Equifax Report there is a Search enquiry by a company called Shop Direct Finance Limited called a on both my current address and a previous one , this has been done sometime in November 2015 , looking online it seems to be connected with Littlewoods, Now interestingly I had an account with them till 2008, when I was abroad for a while (now visiting on a short stay here for about 6 months) they had apparently put some buy now pay later debt letters had arrived at home ( I hadn’t purchased any i
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