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  1. Step-daughter had a loan with Beneficial Bank back in 2006. Part of it was to repay a previous loan too, so two PPI claims to be made - maybe more. Have just sent SAR to HFC Bank in Coventry to see what they can tell us. We have a copy of the 2006 agreement, detailing the loan, repayment of previous account and PPI.
  2. Hello people, My name is [removed - dx], I am 26 years old., From Bedfordshire. I have 4 kids (please don't judge) with 3 mother's, 2 of whom we are good, my youngest child's mother always causes issues if I give her money like the other 2, she is not grateful and wants more, which is unfair to the other mother's, she went to CSA and claimed I never got involved with my child and also went to my work place and put in a complaint, claiming I was breaching data protection a case was brought up but I was okay as she kept changing stories. But it got to me me
  3. Hi i have been following this site for years and know you have given some great help and advice. So here I am asking for help for my daughter. Background is she over the last 2 years she has earned around £1300 a month and in this time she has managed to get herself in a right mess. She started with catalogues from Fashion world, Littlewoods, very and studio who have all been increasing her limit until they reached around £1500 to £2000 then came along credit cards Barclaycard, marbles and capital one with about £500 limit on each then a 118118 l
  4. Hi can some people give me advice please I’m really scared today I went into primark and tag changed a pair of boots and my daughter out 2 things in the pram now as I walked out security stopped me and took me to a room where the manager came in he didn’t show me I’d, no cameras in the room, no recordings were taken, no copies of the incident report, no police was involved they took my provisional license and photocopied it and said that I would receive a fine I’m a single mum of 2 and worried I won’t be able to afford the fine what can I do???
  5. My wife has been getting calls and texts from Cabot for weeks telling her to call them about a matter they wish to discuss, but they ask for her grown-up daughter's name. She has happily ignored the calls and texts, nothing to do with her of course. A letter arrived recently advising that Restons were going to make a claim in court for over three and a half thousand pounds, not a trivial amount so they may actually try. BUT, the HFC Bank account was started in 2006 and defaulted soon after when my step-daughter lost her job. The letter states the account was terminated in Janua
  6. Hi, As the title suggests my 16 year old is pregnant (shocked me somewhat). She lives at home and we have a healthy relationship and she wants to stay here, and I am happy about that. Babys father is local but they're not in a relationship and he won't be moving in or anything like that. Her father and I do claim a relatively small amount child tax credits for her, since she's still in school and is planning on 6th form in Sept. She fully intends to go ahead with this, and we'll support that for obvious reasons. My question is, how do benefits work when she has the baby?
  7. Looks like Jon Platt has been found guilty https://www.theguardian.com/education/2017/jun/23/school-holidays-row-isle-of-wight-man-loses-legal-fight-over-daughters-absence
  8. Hi All, I couldn't find a "marriage" related forum but please move this post if not relevant here. Mortgage issues is the closest I can get to. Here are the basic details. My daughter has been married for 5 years. They have 3 young children. Mortgage is in the husbands name. Both are named on the Deeds Husband is the only income earner. Husband decides to up and leave - not wanting to be involved anymore. A girlfriend has subsequently appeared on the scene. My daughter has agreed to take over paying all the bills and pays 50% towards the monthly mortgag
  9. Hello All I wonder if anyone can advise on my daughters situation please. She is 18 and in her first year at university. Against our advice she ditched her student accommodation to move in with her boyfriend in his flat. The boyfriend's dad owns the flat that they live in and they rent it from him. They have an assured shorthold tenancy for a furnished flat for 12 months (Jan 1st 2017 - Jan 1st 2018) Both their names are printed on the tenancy but only my daughters signature is on there for some reason which I find strange. They have now spilt up and th
  10. Hi, newbie here, thanks in advance for any advice. My daughter started a full time btec level 3 course prior to her 19th birthday.She is currently entitled to child tax credit, child benefit and I get child support via csa. I am trying to work out when her benefits will stop as she although turning 20 in december, will have not finished her course till the following summer as year two of course will have started just september prior to her 20th birthday. Can anyone advise me, when date wise her child benefit, child tax credit and support from csa will stop so I can plan ahead, t
  11. I enquired about joining BT in December. While I was still with TT they kept sending me 'don't leave, speak to our loyalty team to see what they can do' messages...so I did. 28 Dec - agreed a new deal 10 Jan - not heard anything so rang them. New deal hasn't been processed because I'd 'missed Jan's payment' (it's DD so it's their fault they didn't take it!) made me pay Jan's bill there on the phone. Couldn't talk about new deal because payment hasn't been processed 12 Jan - they rang me back & agreed new deal. Later that day I received confirmation e
  12. Good morning, My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test. They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles. a few weeks ago she was involved in an accident which wasn't her fault, the other driver admitted blame immediately. The claim has been settled and they have sent the cheque. Now, the problem is the charges they want to slap on her. Her car was a write off so she is going to buy her brother's car. They want to charge her £150 for
  13. Hi there, My daughter was caught shoplifting 13th December with two other girls, all 17yrs old, at Primark. My daughter had a £10 top in her bag and it was her first offence, the other girls had similar items but have been caught before. My daughter was brought home after been "warned" by police and the other two received a caution. On New Years Eve my daughter received a letter from RLP Civil Recovery Specialists demanding payment from all or one of the three girls totalling £232 or court action will be taken. Now after reading posts on here, speaking with CABS and also readi
  14. Hi everyone, looking for some advice My daughter started an apprenticeship in hairdressing in September and was today dismissed on the spot. She was told it was because the employer had had 2 complaints from clients that she hadn't shampooed their hair correctly, but this was the first she had heard about it. Naturally she is very upset. I called the employer and politely asked why and was told that she didn't do what she was asked, and he had had these complaints from clients. I spoke with my daughter who said the employer gave her a list of things to do in the morning, so she would s
  15. the above has returned home from university with nothing "flunked" her degree poor kid she went to local job centre had her interview for u/c went 2 weeks after for 2nd session now she has come back and said she doesn't have to go anymore and that the advisor states she will keep in touch by phone or email (she hasn't received any benefit yet) I don't understand this as you here about all these sanctions etc can someone please advise as I think she maybe trying to "pull the wool over our eyes" basically because she doesn't want to get out of bed, much the same as when she went to unive
  16. My daughter asked O2 for an early upgrade which they agreed and and said she had to pay £100.00 which she did... She at the time asked the live chat person 4 times within the conversation that she would like to use her police discount which was 30% of the monthly charge and 4 times he said no problem on the new contract.... When she completed and 5 mins after it was all agreed she then asked him again about the discount at which he said he COULD NOT give it to her. SHE WAS FUMING...... She has contacted customer services twice now after waiting 20 mins... They read b
  17. Last night I got a call from the police to say my daughter, who is 15, had been accused of shoplifting by a shop keeper. On her way home from town she went into a shop with a friend (more of an acquaintance) who had offered to buy my daughter a packet of crisps. Daughter handed a packet to the friend then walked about 6 feet away to look at something else. A few minutes later the friend then put the crisps, along with another packet, into their bag and ran out of the shop. My daughter was a bit confused as to what was going on and started walking towards the door.
  18. Hi Can someone point me in the right direction. We live in County Durham with our 3 daughters aged 16, 13 and 11. Can someone tell me what happens if my eldest who is currently at college goes on to university. Although it's over a year away I was wondering what happens if she goes off to uni but comes home during the holiday holidays. Am I allowed to still keep her bedroom and still receive housing benefit for a 3 bed house. I have tried on the Durham council website but it mentions nothing of keeping a room for s student to come home to. Many thanks
  19. She appealed to Smart with the same mitigating circumstance and they told her to pay. A complaint to the principle who hired the [problem] gets the charge cancelled.... http://www.itv.com/news/meridian/2015-09-23/mother-fined-70-because-she-stayed-in-asda-car-park-after-doing-her-shopping-to-breastfeed-baby-daughter/?ref=yfp
  20. Hello, I am brand new to this forum so please excuse my lack of knowledge. My mother is a pensioner who was missold PPI from Littlewoods on a credit card years ago. (Barclaycard?) She has no documentation for this currently. What I'd love to find out is 1) How do I make a claim/Who do I need to contact or address a letter to? 2) What proof/documentation would I need to do so? 3) Is the process very complicated, would I be better going through a company to do it for me or is the percentage they usually take too much? Sorry if I sound completely clueless, as indeed
  21. "A daughter whose late mother left her whole estate to animal charities has won a six-figure payout in a decision legal experts have said could make wills more open to challenge. Heather Ilott has been awarded £164,000 by the Court of Appeal following a lengthy legal battle after she was initially left nothing by her mother M elita Jackson, who died in July 2004 at 70. Mrs Jackson wished her net estate of around £486,000 to be split between The Blue Cross, the Royal Society for the Protection of Birds and the Royal Society for the Prevention of Cruelty to Animals, with no provision f
  22. Hi Daughter has a car on finance among many other debts.Just been passed over loads of debt letters from her old address including her car finance. She hasn't paid any payments for months and there is a Repossession Notice as well as a " nice, handwritten note" from a collection agent. I have her car gathering dust on my property.She owes about £8000 on it and it is now worth maybe £2000 - high mileage etc. I would not be adverse to offering them £1500 for it Would they be likely to accept this, or, am I putting myself at risk by getting involved? Any advice appreciated
  23. First off a message to the admin team Please feel free to move this to the special needs forum - i have posted it here as it is more visited and i am hoping for a few responses as im at a loss, the fact a redirect link is here will help i have a 7 year old daughter with austism spectrum disorder, she has a confirmed diagnosis and is under a specialist autism nurse she And we are having alot of trouble with her school and are wondering how to proceed, ill try and lay this out as best i can but please bear with me as i may wander a bit Bullying - she has got to a point now wh
  24. I am hoping I can get some help or advice from someone here My daughter has just renewed her tenancy(December 2014). She has had a friend staying with her as a 'permitted occupant'. The situation now is that the friend has gotten herself pregnant(not planned) and has left the property without giving any notice to my daughter, she simply took her belongings whilst my daughter was at work and she refuses to answer any calls to her mobile. So we don't know whether she is coming back but it seems very unlikely. This leaves my daughter in a difficult situation as she now h
  25. My daughter has moved overseas (2yrs) she did have cards and student loan, in the UK she lived at home and does not have a property here. Letters that came addressed to her I would return to sender with ''moved overseas'' written on - now she has a CCJ application from a card company - what can I do? I don't want the heavies banging my door down.
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