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  1. Hi! I received a letter this morning from the DWP headed "We are reviewing your benefit claim." They want to interview me at my local job centre in early October. They also want me to provide copies of my bank statements and some other financial information. They state that it is so that they can: I am confused as to why they need to do this as I am a full time carer looking after my Mother who is in her 70s. I currently claim Carers Allowance and Carers Premium (which is basically Income Support). I did have a small part-time business which I ran from home for around 6 months,
  2. We currently have about £6k outstanding of a DMP we have with Stepchange. We have been repaying for about 11 years and had 1 year left except my wife lost her job which knocked the payment right down and now some of the creditors are starting to harass us. BIggest concern is Barclaycard. My parents have offered us £1800 to act as a full and final settlement but looking around I came across this forum and 'Cash cowing'. Now i'm concerned what the best way forward is. Debts are: WESCOT CREDIT SE... £1,331.49 LLOYDS BANK PLC £1,245.25 LL
  3. Dear all A current AST comes to an end on a property on the 17th August. When my agent enquired whether the tenants would like to renew, they told him they were splitting up. On this basis my agent advised issuing a S21 as he was concerned about affordability. The tenants are an unmarried couple with three children. One of the current tenants (male) is now starting treatment for a serious condition and now the partner of the sick tenant has texted me offering me 6 months rent upfront to stay when the AST ends as she says that they are working on getting back together and don't wan
  4. Hi, this is my first post on the site and I hope someone can help. I am self-employed, based at home and have 2 Limited companies (1 active and 1 dormant). Business has been very difficult over the last couple of years and cash flow has been a major problem. On the 9th July a high court writ was issued against my dormant business for £1,717.66 and Court Enforcement Services Limited were given the job of enforcement but I did not receive any Notice of Enforcement from them. On the 1 Aug, 2 enforcement officers came to my home (where the dormant business is registered) and said th
  5. Hi! I have used the break clause in my tenancy contract to terminate it. It required a 2 month notice period, which I gave and was accepted by the landlord's agency. This means that my tenancy agreement ends by the 25th of August. Nevertheless, my rental period usually runs from the 8th of each month. I have assumed that, if the tenancy contract ends by the 25th I would only have to pay from the 8th to the 25th but the letting agent is asking for a full month rent... He says the overpaid money will be returned and that they do this to protect them from tenants not leaving at the end of
  6. Simple terms: Lloyds overdraft, defaulted mid 2011 balance around £600. Had a claim open for bank charges on same account which I was hoping might of cleared the od was of course declined with court ruling. Had been paying Lloyds £1 a month till 12 months ago when I moved from HSBC to Santander, have not paid since. Lloyds have now passed debt to Cabot who are telling me they will accept an offer. I am absolutely in no position to repay at more than £1 a month, self employed, private renter, skint... but could maybe pull a bit together in order to get them off my back. Now conside
  7. Hi Here's hoping someone may help My son signed a tenancy agreement with a letting agent but has not taken possession of the property, due to having difficulties obtaining the deposit. The agent has told him he is liable for the full 6 month rental amount . is this correct , ie is there no cooling off period etc many thanks in advance
  8. Hi - following our split, my ex stopped paying the mortgage and eventually handed the keys back to the bank. It was subsequently sold at a loss it seems (I can see on Zoopla that it sold for around £35k less than the mortgage value, in Oct '10). A letter from a debt collector found it's way to me a while back (via an old address) and it seems Welcome Finance are chasing c.£30k from me for a secured loan we took out with Freedom finance years ago. We paid the debt off in full - I remember feeling elated when we'd paid our final instalment! So how can they be chas
  9. Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the
  10. Hi guys. My question is pretty straight to the point. I am trying to become debt free. I have a few accounts which have defaulted. The accounts that have defaulted are the following: 2 accounts defaulted in 2011 - £100 each, no payments made towards either 1 account defaulted in 2014 - £390 Currently making token payments of £1 for the past year I managed to clear off two accounts before they defaulted. Now, what is the best course of action regarding the 3 defaults, which remain for 6 years? both defaulted accounts in 2011 have offered a 60% settlement. Won't change the default mi
  11. In February... http://www.prnewswire.com/news-releases/active-securities-secures-full-fca-authorisation-569623481.html Yet... My complaint with the FOS - They completely ignored.. so it has to go to an adjudicator. How do they gain this status if they ignore the FOS? How is responsiveness to the FOS not a requirement?
  12. Hi, Please can you advise? In March I had a couple of in depth conversations with a programme advisor for DPG - a company that offers training in HR. In these convos I covered much territory including what if I don't pass (they claim you won't or your money back), what if I lose my job and can't pay etc (they allow for mitigating circumstances). One of my questions was 'what if I just decided to drop out because it wasn't for me/wasn't convenient at that point? Is it that you lose whatever money you've paid?' and I was told that is indeed the case. As a result of these calls I signed
  13. Would Argos consider/accept a lesser sum being paid in full than what the balance actually is based upon financial difficulty ? how do I approach this with them ? TIA
  14. Last week i received my van insurance renewal which had went up from £220 to £445... I went on line & found the same cover for £325 so i contacted my insurer (Budget)....I wanted to know why my premiums had doubled....They waffled on not giving me the answer i was looking for but said because i had been with them for a couple of years they would reduce my premiums to £335 which i accepted... When i downloaded my documents i noticed that my medical condition ( Diabetes)..wasnt mentioned & neither was my 3 year restriced licences....Today the renewal insurance came in for my ca
  15. Hello, War and piece - if you can't be bothered to read see the last two paragraphs. In June 2015 I bought a brand new Seat Ibiza from a Seat Dealer on PCP Finance (Dealer supplied Finance through VWFS). The main reason - I've always had older cars but I was fed up of the maintenance requirements and the time I had to take out for preventative repairs that older cars require. A new car was going to cost me more money, short term and long term; but the privilege of a new, reliable and care free vehicle outweighed any financial impact. This was clearly outlined to the salesman.
  16. I’ve just been offered and agreed to take on some consultancy work by a local consortium. I’m currently working full-time in the NHS and this work, whilst linked, will be done in my own time (evenings / weekends). I’m wondering about the best way to separate and deal with the additional income which could be perhaps an additional £10k per year. I’ve looked, albeit very briefly, into creating a sole-trader company so that I can have a separate bank account and entity from my otherwise full-time PAYE income. So, what’s the best way to ensure I don’t get myself into a mire with
  17. Landlord issued a section 21 today with two month's notice stating I must be out by 20th of April. I always thought two full calendar months were required for notice? Meaning I don't leave until 30th April? The original AST was from the 1st of the month. Also the deposit hasn't been protected so technically the section 21 is void...?
  18. Hi all, We moved out of our house in Jan and have received our full deposit back. Our ex-landlord is now asking for £60 due to damages. Has she got the right to ask for this? She said she should have taken it out of the deposit...is it not just tough that she didn't?! Thanks in advance!
  19. Hi I have found out that someone i Know is getting full Pension Credit his wife also works 40+ hours a week and they get FULL Housing and Council Tax Benefit. Surely this cant be right. Anyone know if this is right, or are they committing Benefit Fraud? Thanks in Advance
  20. Hello CAG, Firstly can I say thank you to you all for your time and effort put into this site, if it wasn’t for yourselves I personally wouldn’t of been able to reclaim just under £3k for myself or of helped at least 20 of my friends all reclaiming tens of thousands back in unlawful Bank charges. So a massive thank you from myself, family & my friends. Now I find myself in a slightly more technical and difficult situation & in need of direct help. Before the last recession I was self-employed, earning very good money. I bought a property to do up, utilising
  21. Can someone please confirm if what im thinking is correct. I've received a Court form pack from Northampton from Howard Cohen and Co for a vanquis debt. I wish to pay the amount in full but just checking that once i have contacted the claimant and paid it do i need to submit any of the forms to the court or Claimant ? I've looked at the N9a Admission form but it seems to only need completing if *i admit the claim but ask for time to pay *i admit part of the claim I just dont want to settle in full and think its gone away only to receive a judgement Thank you
  22. Hi all, it's been a while since I last posted here, but have a bit of a question that I hope someone may be able to help with. My girlfriend has recently renewed her car insurance, although her existing insurance does not lapse until the 1st of Feb (a few days a way yet). The insurance she has just payed for is not due to become active until the old insurance lapses. Basically she has paid for her renewal early. Unfortunately her car has developed a major fault, so she now wants to cancel the policy before it actually begins. She had phoned her insurance company on the 25th and
  23. Hello, I had a £250 debt with an energy company in 2013 that went to default in Oct 2013. In Jan 2014 I phoned & agreed a full & final settlement of £200. The account should have been closed at this point & but due to an admin error the payment was only processed as a part payment. This left the account open & in default of £50. I recently looked at my credit report & found this account showing in default every month for the past 2 years. The account should have shown closed in Jan 2014 & marked partially satisfied. After much conversation with
  24. Hi, This is my first post on here and I am hoping that somebody in the know will be able to offer some useful advice. To explain my situation: I currently have 2 credit cards with a total balance of £11500 (£7500 on one and £4000 on the other). These balances have been largely unchanged for approximately 5 years. The debt was actually incurred by an ex-partner of mine who was a named cardholder on my credit card account. Rather foolishly, and unbeknown to me, she racked up a large amount of debt prior to us separating but unfortunately, as the cards were in m
  25. Hi, this is my first time using the site and I am slightly confused by information seen on here and on other forums. A few years ago while at Uni I had 1 current account and 1 student account both having overdrafts. After uni I went abroad to work for a NGO thinking I would only be there 6 months, but six month became 5 years. I have recently returned home to find that my accounts are default (my fault, forgot about them while living abroad) and both debts have been sold on to a debt collection agency (1st credit). Now i'm back home really want to start looki
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