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  1. New laws to better protect millions of Brits who book holidays online READ MORE HERE: https://www.gov.uk/government/news/new-laws-to-better-protect-millions-of-brits-who-book-holidays-online
  2. As I work closely with Apple, I often come across interesting tidbits... Once o which saved me a LOAD of money... For a semi iPhone contract you'll be looking easily at between £40-£70 a month depending on your needs of voice and data etc... on top of that, your phone is only covered for 6 months by Apple and should be covered by your provider for up to a year. After that, if it dies, you're on. your own. Apple have something called the iPhone Upgrade program. That link will take you directly to it. here's now the money saving works broken down: - £33.45 is what the i
  3. I'm hoping you guys can help as you have done in the past. I received a parking ticket after falling asleep in a motorway services station from ParkingEye. I followed general advice and ignored the ticket (the car is actually registered in my wife's name). They are now pursuing me (my wife) via the courts and I'd like to ask a few questions. I had initially intended to file a defence as many threads suggested that these cases are often thrown out with a robust defence. I received the service on March 28. The letter said that the date of service was deemed to
  4. READ MORE HERE: https://www.gov.uk/government/news/better-combat-compensation-for-armed-forces The link to the Consultation is on the above link.
  5. READ MORE HERE: https://www.gov.uk/government/news/better-care-package-for-severely-injured-veterans
  6. Last Wednesday, completely out of the blue I was called to a meeting at my HO and told that due to restructuring my job is at risk, the company produced a settlement offer and has given me a week to think about it (unlike 10 days as in ACAS guidelines) They refuse to announce the nature of the restructuring, just that I don't fit within it and if I decline the offer then I have been told in no uncertain terms that I will be made redundant and end up with less money than they are offering. Although I don't know (and probably never will) I am almost certain based on noises from the pas
  7. Hi, I live in central London, I've got a lovely flat I've lived in for 8 years now. I haven't had kids yet because I believe in being responsible and if I can't afford them I shouldn't have them. However, I've changed my mind today. Having been through the joke that is the work programme, I had the indignity of having to go to a benefit meeting today where I had to show my I&E to see if I was better off in work. Because I get the maximum Housing Benefit the system allows, I could never get a job that would pay enough to cover my rent. But the [edited] advisor was trying to make
  8. I've been with my employer for almost a year now. I was hired as a warranty controller, but my duties have been gradually increased, taking on duties from both other staff (such as those leaving) and those of my manager. I've asked that I be considered for a higher position, namely assistant manager, as I feel this better incorporates all my duties, but nothing has materialised as of yet. It's frustrating, as I'm now responsible for quality control, monthly reports and now rental. In additional, I have to cover workshop control when he's away for any reason, plus I don't have anyone willing to
  9. Tawnyowl here with how to completely mess your car insurance up.Through rushing,not checking,many things. Now when i write a story when completely stressed out with a situation i mix a lighter look at things,helps me cope somehow.Knocking on a bit now so things prey on my mind.Especially after reading many stories over many years in the CAG So i hope before you read this you can understand that.I expect some stick,fair enough i can take that. I might even make a couple of mistakes but over time things usually become clear. Writing this at 1 in the morning so it is bothering me sligh
  10. this could be a very stupid questions but I notice on my CRA files some loans/debts show as settled whilst others show as satisfied. Which is better? I ask as I have an aqua card debt I need to pay and want to request a full and final settlement figure but part of my request is also asking that the debt be shown as nothing else owing on it.
  11. A mum-of-six has hit out at a rent-to-own company after the cooker she bought from them broke down – and she had to wait four weeks for it to be fixed. Tracy Stevenson, 40, of Briery Way, Adeyfield, Hemel Hempstead took out a payment plan for the new Beko induction cooker from Brighthouse in the town centre at £11.82 a week. Over the next three years, the cooker – worth £666 – will set the family back £1,843.92, which is an APR representative of 69.9 per cent. More ... Just look at those rip-off interest rates. She paid £1,178 more than she needed, she could have taken h
  12. Now that it look's clear that a conservative government is going to be running the UK, I am very concerned for my future. I cannot work and have been unable to for four years now, and housebound for much longer than that. What I would like to know is am I likely to be treated more fairly and be more welcome in an other EU country. Or any other country for that matter! I understand this is not the usual topic, but I'm just wondering if anyone knows about this. I don't have enough ties here to stop me moving, and I imagine everyone in my situation is just going to suffer here.
  13. Hi everyone I have a dilema I could use some advice with. I challenged a Default with QuickQuid for a previous PDL which was Defaulted in 2012. My argument was that they had failed to act responsibly by preventing me from setting up a payment plan until after the account was sold and a Default had been filed. Had they agreed upon a repayment plan the account would have been settled within a couple of months without any Default being registered or the account being sold on. Ultimately my complaint was escalated to the FOS who, in agreement with QuickQuid, have agre
  14. Last year around May June I switched bank accounts from Barclays to Santander. I changed all the direct debits over myself (yes i sat on the phone for over an hour but was so paranoid about something going wrong if i left it up to the banks to do so for peace of mind I did it myself). Turns out I shouldn't have bothered! The only 1 that I had a problem with was United Utilities. I received a letter early September, followed by a phone call the same day saying I was in debt of around £120. My direct debit had apparently been cancelled by the bank. No chance I sai
  15. Hi, I am new here but been reading a lot of helpful info and thought id post my own question for clarification. I have a default on my account ... (as is the way when you are young and stupid ) anyway it is about to close and drop off my file this month and next. I read here that accounts drop off after the last listed default. There is one account i have default registered 2008 - first one but there is a debt collectors agency registering a default somehow ... last year ... i am viewing this via a credit report that gives the monthly status of the account and goe
  16. Hi guys, I'm not in employment and claim JSA + Housing Benefit, although have been offered a 15h/week part-time job. The thing is, the job would pay ca. £520/month. The calculations say I would not be entitled to any benefits if I take this job. Even worse, possibly Council Tax would kick in (or not?). All in all, paradoxically, taking the job would make me worse off by some £50-£100. I barely make ends meet now - on the job I will not even be able to pay up all the bills! Is it really the case the the government is happy enough to let the citizens get by making £520 or am I missing
  17. Hi Guys Woke up this morning to see my credit report from Noddle with 2 accounts from Noddle. They are as follows; Orange's current balance is at £1,067 and considering the way Lowell go... Im not hanging around to see if this will go to court. I want to settle them as soon as... . Would dealing in Email be better than writing letters at present? We all know the massive no-nos about calling them and I refuse to let a DCA bully me into what they want. I want to control this as best as I can,. Because they are Telecoms debts, there wil
  18. I have advisor appointments over the phone - only they are never at set times and the advisor never calls when we agree a time. I have stupidly not gotten the confirmation in writing so i can't make a complaint about it. Its causing me stress because: 1) the calls are not at regular intervals 2) i am caught off guard, one time she called when i told her i was away at a wedding that day - she called me when i was out and was quite cross with me. 3) today she was meant to call and hasn't 4) she claims my phone has been unavailable - even to the point she could not reach my voicemail
  19. Residents of mobile home parks in England have been given new rights to protect them from rogue site operators. A Commons select committee report last year found many residents experienced problems with maintenance, security, written contracts and intimidation. New legislation, introduced on Monday, bans site owners from the buying and selling process and gives new powers to prosecute those who harass residents. Communities Secretary Eric Pickles said it "called time on the crooks". There are about 84,000 "park homes" - relatively low
  20. It had all the hallmarks of a well-orchestrated bit of kite flying. First, the Chancellor’s favourite think tank, Policy Exchange, suggested a mass distribution of RBS shares to the public – offered free upfront. Hours later, the Prime Minister called for progress on reprivatisation of RBS to be made as quickly as possible and did not rule out selling the bank for a loss. “I’m open to all ideas and proposals,” he said with a metaphorical nudge and a wink. The Government’s current obsession with the fate of RBS is a bit of a mystery, the fact that taxpayers own 81pc of its shares notwith
  21. I was having difficulty with my debts which are around £12K. I am on benefit, and so I foned up Debt Free Direct to see what they could do. I am very upset that all they could offer me was an IVA - 7 years paying £130 a month. Naturally I had to sign up because I was getting constant harassment of one of my creditors Halifax who kept foning me up every day demanding money I didn't have. I am now wondering if the IVA really was the right solution; they didnt offer me a Debt Relief Order which is what I would have prefered. Is there anything I can do besides letting the
  22. Receiving less child benefit could affect lenders' assessments of 'affordability' and the amount you can borrow. Thousands of families are to lose their child benefit payments next month. But this won't just hit the household budget, it could also have a direct effect on their ability to remortgage or move home – because most banks and building societies now factor in such payments when calculating how much you can borrow. This could leave some families in the unenviable position of being stranded on their current deal and unable to remortgage to take advantage of the cheaper home loans
  23. Recently I seem to have been inundated by (alleged) debts via letters, phone calls even some dodgy bloke at the door. I was checking out a strange phone number via the internet and found a thread on debt collection agencies and their dubious (and illegal) practices. It was hilarious and scary at the same time. It also mentioned CAG so I decided to join up. Glad I did. After browsing just a tiny amount of the site I feel empowered already.
  24. Savers rate supermarket banks above the high street lenders, and a quarter of us would bank with Amazon. Only one in ten consumers believe high street banks offer the best value for money when it comes to banking, compared to supermarkets who topped the list with 53pc of the public vote. High street banks may have more experience in the mortgage market, yet according to research carried out by uSwitch.com, some consumers would rather consider a brand with no experience in banking. One in four said they would be willing to bank with Amazon and one in ten would trust eBay with their finance
  25. advice needed please i was on income support/incapacity benefit before being moved to esa leavel 2. Ii have had a few assessments at ATOS my last one meaning i was put in a work support group. i have agrophobia and and have not left the house on my own for over 4 years and i have been assessed by a pyciter in a core 10 assessment scoring 29 !! meaning i have a high level of clinical need. They do not want to put me on drugs as they feel this will not benefit me until i have intensive therapy and I have been put on the waiting list for this. I am also under a drug clinic as i have been p
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