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About Me


  1. 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
  2. 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
  3. In january 2015.I applied for car finance with Fowlers finance as i didnt have any spare money to purchase a decent car with cash. I applied online and a person from the company called me went through an application and after about 6 hours contacted me to say that i had been approved and that i could go to manchester to get the car. Originally i wanted a Vauxhall Insignia but when i got to Manchester i was told the car had been sold by another branch but they had a citroen C4 7 seater i could have a look at. I have a large family and i liked the car so i accepted that one instea
  4. Forgive me if I seem a bit angry but I used to be a member here asking for advice on how to avoid a sanction from my JSA signing. I got what I thought was great advice at the time. I implemented that advice. I got sanctioned. Is there any way I can sue CAG for giving bad advice? Reading around the threads now with the "benefit" of hindsight, It seems that most site team and contributors are actually on ESA and divorced from reality and the world of work. If I'd realized this I wouldn't have followed their advice. I'm now left without money for 3 months. Thanks a lot. Do I have
  5. I had an Indesit washing machine delivered on 10th November but when I went to level it for use, I discovered that the 4 rubber feet were missing. I have called their helpline, messaged them on facebook, posted on their facebook wall and emailed, yet I am not receiving what I need. They sent 1 single foot 3 weeks ago and then promised to send the rest on next day delivery, they sent me 4 springs. I was once again promised next day delivery and I got 1 more foot!! I don't know what much more I can do and it's really stressing me out. I have a family of 5 and not washing in this weather
  6. Colleague's boyfriend took the car and was speeding. (If it at all matters, he took out temp cover with another company). The insurance company Policy Wise has now sent a letter to say they want £250 or they will cancel the insurance policy. Just checking that they are able to charge this amount? Surely they have to have a breakdown of costs otherwise it is seen as a penalty? Thanks Edit: Just checked the policy documents and it does refer to the £250 charge as a Penalty. http://imglnk.uk/img?i=oOoujV.jpg
  7. I find the media a fickle bunch, who change their views depending on the wind direction. Tom Watson MP was seen as a hero for pursuing allegations about child abuse, but now that some of the alleged victims have had their allegations questionned, Tom is being criticised. The Police have not finished their inquiries yet and it is a bit too early for friends of alleged abusers to start demanding apologies. Because the newspapers keep going on about such stories for days on end, digging at the information, it must put the Police in a very difficult position. And it is not just newspa
  8. Hi all, I have had a recent run in with a bailiff and im posertive he hasnt followed the correct rules for taking control of goods, im not wanting to debate whether im right or not! i would just like to know the correct way of complaing about it. the complaint would be at the bailiff and possible his company as they were aware of his actions? thank you.
  9. Hi all My first post. My son banks with NatWest and as done so since he was 16 (Now 22) he went overdrawn by £0.58 back in April this year. He had not used his account since then as he wasn't working just studying hard before going to University. Anyway long story short 3 weeks ago we went into the branch to change his account for a Student Account as he needed an overdraft facility and his normal account had no overdraft facility. This is when we found out he had gone £0.58 O/D and since April had put charges on his account totalling £146.00 so as you can guess shocked was an un
  10. Hi, I received a faulty phone from Vodafone (sometimes it displays nothing even though there is "life" in the phone) where i have been a customer for 2 years. I received this phone on the 6th went on holiday come back and started using the phone requesting that my number change (because of PPI calls), they happily arranged this. Once i reported the faulty phone they said that they would send a courier to switch the phone for a brand new one which i was pretty happy with. Then the customer service assistant discovered i had changed my number and that this switch wasn't possible and to
  11. So essentially, I'm just going to provide a little bit of background information and then I'll get to the question at hand. I'm a University graduate with a 2:1 honors degree in Web Systems and Development (i.e. A Web Developer). I finished University in 2013, I worked up until July 2014 and have been out of work since that time, I have had freelance jobs here and there to help me along the way, but essentially, I have been out of full-time employment since July 2014. Without trying to toot my own horn here, I'm portraying this across to simply imply, I have a lot of qualification
  12. A supplier has written off a number of invoices as Bad Debts, and reclaimed the VAT element. He has then issued a claim for payment in Court at a later date, and added interest at well above base rate. Is this permissible?
  13. Hi, First post here, but lurking for a few weeks! Brief outline: I have issued a claim for compensation against a car dealer. The notice has been served. After about ten days, they filed an acknowledgement of service (I know this doesn't mean anything specific will happen), but they have also notified the court of a change of address. Is it likely that they have changed the 'contact' address so that if it came down to it, they would not have the bailiff in their showroom, and / or, the address is that of say their accountants, so that a bailiff cannot either remove any property as
  14. i had a bad debt on a credit card from about 2002 that due to a real bad relationship split went unpaid. since being single i have never been more than 20p overdrawn since. i'm now in a position where i need to purchase a reliable car for work and dare not apply for credit. would it be possible to get car finance with this sort of credit history ? thanks in advance
  15. Sent my Samsung off for repair. Pretty standard repair job with that type of phone. Was told that it would be back within 10 days. Been longer than that now so thought I would chase it up. Tried the website but didnt have the job number so tried the store. Recorded message saying that they are closed for refurb and that any repairs would be sent to another store even further away. Tried the new store. They didnt have it. I asked for my job number so I could trackit myself. They said cant do it. No reason. I asked if the repair copany could send it to a more local store to
  16. Want to know more read here http://metro.co.uk/2015/06/02/homeless-people-to-be-fined-up-to-1000-for-sleeping-rough-5226481/ Homeless targeted
  17. Trip Advisor couple 'fined' £100 by hotel for bad review A couple say they have been "fined" £100 by a Blackpool hotel for leaving critical comments on travel review website Trip Advisor. Tony and Jan Jenkinson posted the negative comment after being unimpressed with the one night they spent at the Broadway Hotel. The couple, from Whitehaven, later found £100 charged to their credit card. The hotel said its policy was to charge for "bad" reviews. Trading Standards are investigating. Officials believe the hotel may have bre
  18. hi there, looking for a bit of advice, or to know if something could be possible.... my partner and i (unmarried, 4 kids, been together 20 years) currently have a joint mortgage which has recently changed from being fixed to being on a tracker. we can happily afford the payments at the moment but we're worried about rates going up in the next few years and would like to be on a fixed rate again. the flat we own we are currently renting out, the mortgage company know this but they haven't changed it to a buy to let mortgage as yet. we are renting the house that we curren
  19. Hello Everyone, My friend has her first work programme appointment on the 24th June 2013 and was unable to attend due to being very anxious, being sick and had panic attacks! I rang Ingeus and spoke to her Employment Advisor, he was busy when I rang so I left a message that is was important he call back because it was to do with my friend's appointment and that she was unable to attend that day! He did call back and I duly answered the phone call, I told him why my friend was unable to attend and if she can have another appointment date and that I will come with her, I've explained a
  20. When I was at the checkout and ready to pay for my groceries the cashier said: "Strip down, facing me." Making a mental note to complain about this security rubbish, I did just as she had instructed. After the shrieking and hysterical remarks finally subsided, I found out that she was referring to how I should position my debit card. Nonetheless, I've been asked to shop elsewhere in the future. They need to make their instructions a little clearer for seniors. I hate this getting older stuff.
  21. Hi all, Just looking for advice on where I stand with the following. I had cracked the screen on my iPhone 5S, so working from home yesterday, I took the opportunity of popping to a local repair shop. The phone was working absolutely fine, the screen damage was in the top right corner. They said "leave it with us for an hour", and so I popped off for lunch. When I returned I paid the bill and took the phone, it was powered on and connected to 3G, so all looked good. The finger print scanner wasn't working but I figured I would need to set it up again. Once home (c
  22. Hi all, and thanks in advance for any help. I have been having issues with my useless landlord for a while now. He's very hesitant to carry out any repairs, and eventually, when /if done, are to a very poor standard. For a year I have been asking him to sort out damp issues, drafty windows, broken back door. Now it has all come to a head. My 8 year old son has been hospitalised with pneumonia. All of a sudden, he wants to get all the work done. Too little too late in my eyes. I am wondering if I have grounds to sue him for causing this health problem with my son?
  23. Hello, Sorry that my question is a little basic but like most new people im having trouble getting my head around the rules. Plus i have terrible baby brain at the moment! After a long 6 years of repairing my credit history (which is now in the excellent category! ) I have just checked my equifax report, as i will shortly be needing to apply for a mortgage, to find out that I can still view old credit agreements including late payments and a default which stretch back past the 6 year limit. are equifax displaying this information on my credit checks and are they allowed to? should
  24. I have a problem and went out of the country for a while, on my return I have my company with a proposal of strike off flag, so as i wanted to keep operating with the company I called Companies house and asked what do I need to do. They reply this and I am scared, what are my options please? I still have time to fix this? --------------------------------------------------------------------- I can confirm that the following documents are outstanding: Accounts for year ended 31/07/2013. Annual Return (Form AR01) for period ending 15/07/2
  25. My mate is getting a place of his own (lucky guy). But he is in overdraft of £1,500. He got a loan out of £2,000 last oct and feb of this year and is still struggling. But does that mean that he won't be able to get a place of his own when he gets a credit check? I said I will ask this form as I ain't got a clue myself lol. I mean surley if he pays it back fully won't that be enough? :/ thank u all
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