Showing results for tags 'good'.
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Just looked outside,pulled myself away from the Bear Garden for a moment.Only a moment,back again now. How is it where you are. Be careful out there. 22.19 update It has cleared now i cannot understand why. Moon is nice to look at tonight.Like a half Blood Super Moon again. Get the cameras out.Let me see some footage. Perhaps i need to go to Specsavers.: 17 minutes from Fog to clear as a bell,who would believe it. Oh dear this is not turning into a live coverage as on the lunar eclipse night is it. No i am off. Sighs of relief all round. -
Having done some reading and useful links I came across this story and could help some motorists that have had a PCN issued by a CEO for having their ticket blown over and facing down for more info please read here http://metro.co.uk/2015/08/17/heres-how-to-get-your-parking-fine-cancelled-5346489/ Linked from Scoop.it and metro.co.uk -
Hi all, would just like some advice please. My daughter and her partner had PPI some years ago, but have no paperwork or proof. they keep on getting calls from CMC's who claim that they can find any PPI you had and reclaim it, even if you have no paperwork or details. Obviously, as it stands, they feel they have no way of getting anything, so they are thinking, maybe paying a CMC 30% commision is a worthwhile fee to do something they cant. ANy thoughts on the matter greatly appreciated. Ian
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Hi, I'm one of the many that Erudio have tried to [problem]! 1997 Mortgage style loan. Never a problem with SLC. Never earned over the threshold and have deferred every year. As I'm registered disabled and in receipt of DLA (lifetime award) and earn below the repayment threshold (just!) I applied for a 36 month deferral under the T&C. in 2014. This year, after a year or so of belligerence and a FOS complaint Erudio agreed to backdate my deferral and were ordered by the FOS to pay me 100pounds compensation. (Erudio also lie through their teeth & make the 'rules' as they go along. They would surely be laughed out of court) . They even argued that my DLA cert was invalid. However, Erudio fight dirty! Despite this they are now stating I have to apply for deferral again this year (& every year) and they state they never agreed to a 36 month deferral. Furthermore they are now just blanking the FOS and will not respond to them. I have written to them stating in accordance with the T&C I consider the deferment valid for 36 months and will not be paying anything until 2017. To which I get a 'we have closed our complaint' letter, followed by a deferment form & a 'you owe 200pounds' letter. So....this year. I earn below the threshold for 2015-2016 & my DLA award still stands. (Interestingly they have a section for child benefit & child tax credit. I do not receive these- my wife does!) If I apply for a deferral & it is accepted this will take me beyond my 50th birthday & as I have no arrears the loan will be written off....or rather should be. Or I could hold me ground re. the 36 month deferral. This would mean taking out a further deferral until my 5oth birthday in 2018. It strikes me Erudio will try anything to turn down a deferral application however. I simply do not trust them based on my dealings with them previously. Anyone had dealing with Erudio re. disability? Anyone successfully awarded a 36 month deferral? Any thoughts as to which option to go for. i.e. Send off deferral form, wageslips & DLA cert (again)? Or dig in until 2017? I have actually stated that I'm willing to address the matter in court as I believe they have breached original T&Cs. -
Hi Seems a common complaint but just thought I'd add my voice and seek advice. Stop me if you've heard this one. My fiancee left her vodafone contract early due to extortionate billing and general incompetence. She payed the agreed settlement figure. Then vodafone billed her for another small payment. Around £30. She then entered into a dispute with them over this extra payment. She was unaware that vodafone had registered a default with the credit reference agency until she tried to get credit. She complained to vodafone. No joy. In the end she agreed to pay the amount on the condition that the default would be removed from her credit history. Vodafone agreed to this. She payed. Her credit history remains unchanged. I have taken over dealing with this as it has got to a stage where it is causing her serious emotional distress. I contacted the CEO Office. They asked for some details. I provided them. I received no response. I contacted the CEO office again and stated that if they did not intend to resolve the situation i would require transcripts of any conversations they had with my fiancee. No response. Then they phoned my fiancee and said that they would have to fill out a form and send it to the credit reference agency. They said it is the credit reference agency's responsibility to rectify the situation. That's the story so far. I cant believe it! Her credit score is way higher than mine. It's 990 plus! But because of this thing with vodafone we cant do anything that requires money. We cant travel, buy a car, remortgage either of our houses jointly, get married, or even open a new bank account as we discovered today! I hope I've been doing the right things to try and get this sorted out but i don't really know. I thought that if you asked for transcripts they would have to provide them under freedom of information or something? It's a whole new experience. Any advice would be much appreciated. -
The quote below is from page 19 of my attachment called to poor to pay (Council Tax) "Four London boroughs (Bexley, Brent, Islington and Southwark) now have a policy of not using bailiffs for council tax support claimants. These authorities clearly recognise the negative impact of bailiffs on potentially vulnerable people, and instead pursue other means of enforcement. It is interesting to note that these authorities’ collection rates are close to the London average, while Lambeth, the authority that used bailiffs against the second most claimants in 2014/15, has a significantly lower collection rate than the average. This suggests that it is perfectly possible for authorities to refrain from bailiff use for council tax support claimants without adversely affecting their collection rate. " Info from here http://webcache.googleusercontent.com/search?q=cache:FtkP42_6BaYJ:z2k.org/wp-content/uploads/2015/07/TooPoorToPay-FINAL.pdf+&cd=17&hl=en&ct=clnk&gl=uk
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I have painstakingly repaired an old Sony Network Walkman NW-HD1 have the 2.3 disc but ofcourse this does not cover or allow the playing of MP3 files the later 4.3 updated software does. now there are loads of sites that either point to the now defunked sony update link or ofcourse poke you a virus file which is nothing to do with it. does anyone par chance have a working download [proved] or a copy of the disc sonicstage 4.3 that they can send me an .ISO of? this for a disabled user that has learned for years to use this devise and cannot now learn any other. this would really make her day regards dx CAG siteteam -
Apparently, according to a friend, you can get divorced for £60. This is apparently what her parents did. My husband and I want a divorce, there is no dispute, we don't want to fight about it, we've been separated for a while and have both met someone else. What is the cheapest and easiest way of getting a divorce? I have a form printed off the internet "Application for a decree nisi/conditional order or (judicial) separation devree/order) - it's just one page and theres the option for "undefended case" which is what seems to be the right option for us. Any advice gratefully received.
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Hi all. I run a business that repairs tablet devices. A customer came to me to have a screen repaired which I repaired with a 3 month warranty. The customer returned to show his screen was lifting up. This was due to his battery swelling inside the device, not because of the work I'd done . I replaced the screen again as I broke it when I tried to push it back into place over the swollen battery, so then I also replaced the battery as a 'good will gesture' and I didn't provide a warranty for the battery as it wasn't paid for . A month later, this battery now will not charge and I am of the opinion it's because of the inner workings failing due to the initial drop. Did I enter a contract by agreeing to replace the battery free of charge as a good will gestur or is it not my responsibility? If I replace the battery, the same thing will happen or another problem. All comments welcome. Thanks
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I have started a new thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?448084-An-interesting-link-on-mis-sold-PPI This relates to the good decision by the FOS on offsetting PPI claims against old debts I hope you drop by and have a read. This maybe of use to many other debtors in a similar situation.
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I haven't been frequenting the debt sections on here for a while so perhaps I am a little out of touch, must admit to being a bit taken aback. My daughter received a N1 from Northampton center, for an overdraft she had 5 years ago, she had forgotten about it(she says) and eventually it had been sold on to Cabot. I said I would have a look , went onto MCOL logged in in here name and acknowledged ticked defend all. I thought the usual, challenge charges assignment etc. etc, it was for £550. Then I thought you know I cant be bothered with this so i rang the solicitor, i nice pleasant woman answered the phone, I started to explain who I was, she said she couldn't talk to me so I had to get my daughter to give her a call etc DPA fair enough. Anyway eventually we could discuss the account, i told her that i was considering fighting , but really cant be bothered and asked them if they would accept £300 full and final. We chatted some more and she was telling me about her kids and I was telling her about how you never cease to worry about them and how my daughter is 35 and married with five kids and she still comes to me with this stuff,(love it really). I digress, anyway she says yes we will accept that as full and final and will email you and you can pay on receipt , i say fine. I know there is stuff said about people backing out of FFs but personally I have never come across it, anyway I have the email. I am just about to give her my visa details and she says are you retired sir, I say yes, then she says "will paying this money cause you financial distress or make you in arrears with any priority debt heating or utility supplies", i say no why do you ask, she said we would not be able to accept the payment if you would have said yes. -
When dealing with matters such as complaints and so on I read many times that it is best to get everything in writing, would an Email be as valid as a physical letter in such matters?
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Hi Can anyone help on where I stand on this Council tax due for £900+ to Coventry Council, court summons issued, court order issued, passed to Equita I since then re-payed the council all off the council tax due, via the councils portal and followed up with a phone called to check the amount owed was £0. This was done in November last year. I have be getting sporadic hand delivered letters from Equita chasing a further £310 for compliance and enforcement fees I wrote to them explaining that this debt had been settled and that the court order was as such no longer in effect and they should cease and desist from entering my property to post letters. fast forward to this morning (05/03/15) I have had a knock at the door from a Equita bailiff chasing the £310, during which another bailiff arrived, I called a friend for advice as they were talking about clamping cars etc. During this call, one of them took the opportunity to seize my iPhone and made demands for me to pay or it would be taken, a further £110 added to the bill and sold at auction today. I call the police, explained the situation, and they replied with its a civil matter and not our problem. I then had to make the full payment, under duress as I need my phone for business, as I made them aware at the time. I also got it written in the notes that the money was paid (by debit card) under duress and took photos of their bailiffs ID. where do I stand with this as as far as i`m aware the bailiffs fees are an unenforceable debt on the original court order and would have to be chased through the civil courts??? -
HSBC took it upon themselves yesterday to stop my VISA DEBIT card for no good reason. I had just paid online a BT (British Telecom) bill which they thought (as stated to me when I called them) ‘suspicious’. They were in possession of two contact telephone numbers for me. They did not call either of there although when I talked to them they lied and said they had called them. This is not the first time they have done this to me. Why do any of us stay with this rubbish bank? I’m going to see my local management tomorrow and take him up one side and down the other. For all the good it will do, At least I may feel a bit better
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After reading a paper or consultation paper I have read recently HERE reading part 6 on page 9 what does everyone else think about this? I got here by reading a thread by TT in regards to a defence for Debtor charged under section 68(1) of TCEA 2007 with "intentionally obstructing a bailiff". Am I right in thinking this looks like the start of something bigger to do with the enforcement of Court fines? The link contained in the word "HERE" in blue shows the paper in full hence why I named part 6 page 9 Any thoughts please
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i recieved a good reason letter today for an appointment they apparantly told me about in february to attend seetec on (12/05) but in fact the only mandatory appointment letters i got was for (20th and 22nd) both of which i canceled because they were all day appointments, then i had an appointment with my advisor this past monday and he did not mention missing an appointment or anything... im just wondering how i should go about doing this good reason letter should i simply say that i had no appointment for the 12th and include copies of the letters which state the dates are 20th/22nd june and 9th july?
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I bought a laptop from PCworld, in the first year of ownership it started to over heat, I sent it away for repair and it came back and worked ok for about 3 months then it started to over heat again and I sent it away again and it came back fixed. About 6 months ago the fault started again I arranged again for it to be repaired, this time stating the sale of goods act because it was outside of the warranty, it came back again after about 2 weeks fixed. The fault has just started again and I will be contacting them again to get it fixed, the issue I have is if it keeps going wrong every 6 months at what stage will they no longer be obliged to fix it, it is an i7, 17 inch laptop so its a good spec and I like the laptop. Should I request a more permanent remedy, ie replacement, refund, I understand it would possibly be a partial refund because I have used it a lot, just wondering the beast plan of attack.
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I had a sanction placed on my ESA for missing an appointment (that they said was alright as it conflicted with a MIND appointment) but i received a sanction a week later so i got someone to phone and was told the sanction would be sorted once i attend a new Seetec appointment so i did this the day after now a month later and i have still heard nothing (also just attended another seetec appointment which are monthly) about my sanction and i am still receiving the lower amount is it just a matter of waiting or should i phone them to try and get it sorted quicker. also on seetec i have not been going long a couple of months or so but yet i have had 5 different advisers in that time 1 of them i understand as she told me she would be leaving but all the other changes im not sure why makes me so nervous when attending as i never know who im going to be seeing.
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I have had my fill with Sky so i am transfering my phone and Broadband to Tesco. They are doing free Broadband for 12 months if i take out a phone line. Looking into reviews with Tesco broadband, it seems they have quite a few negative responses and lousy customer service. It seems they used the Thompson router which was always dropping out, These reviews are 12 months old and i cannot seem to get any current reviews.I believe they have now changed the router Has anybody on the forum got phone and broadband through Tesco now and can give me an honest review. Tesco are about to go Fibre optic as well but for the moment i will be on the normal ADSL
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I have a lot of debt, all of it is defaulted and I have had my head in the sand for ages and ages. I have literally made no payments for almost 48 months and other than sign up with a company who promised to help me with ppi and reducing debt, I have done nothing and I know I am an idiot - no excuses. I have negative equity in my house but have kept my mortgage payments up to date, as I am self employed my income is up and down, last month really good, this month not so good. I have looked at my debts online and listed it below, a credit card and a loan were taken out in 2008, the rest are older. Most debt is now owned by arrow global. I think there are some ppi claims and lot of the totals are charges. The 1500 credit card was only 600, the rest is interest and charges! credit card 9000 credit card 1000 credit card 1500 credit card 7500 personal loan 12000 personal loan 3500 Bank overdraft 1800 Am I right in thinking that its not too late and something can be done? I was thinking of writing to them all asking if I can make token payments and trying to reduce the totals down? Sorry if this question is basic, but I read a lot on here and Im not sure if some of the older advice on here is still valid as thing change?
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Hello All, Can anyone advise? I have a credit score of 985 on Credit Expert, but do have an outstanding CCJ due to 'fall off' in August this year. Although I had one issue in the past, all my finances are on track and I have a good income. Can anyone advise if I am likely to be successful if I applied for either a bank loan to buy a car, or car finance, was looking around £20,000. Salary is not an issue. I don't want to 'waste' a search if the CCJ would automatically go against me. Any advice appreciated. Thanks FREDDIE
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hi,i received a stat demand from bw legaL regarding two lowell acounts firstly can they join two accounts together to make one some part of the stat demand has been deleted which would notify me of my rights to seek legal advice, does this mean it is not valid and are they allowed to stamp the envelopes stating they are a debt collection solitor, i have missed the deadline for setting aside and have arranged to pay monthly but i regret this now and was only done because my partner was so worried ,i think it was just a scare tactic, i have now sent a cca request for both accounts to lowell and bw legal and sent a much lower full and final settlement offer to them aswell but i doubt they will accept it i also sent a letter to the oft regarding the above, am i doing the right thing or should i just pay my monthly payments,
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Thought I would say hello and introduce myself and wish you all a nice start to the weekend.
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I had a serious accident last week when a car pulled out of a side road in front of my bike, resulting in multiple injuries to me. The Police are still dealing with it but I have approached a solicitor, on the recommendation of a friend, with a view to a compensation claim. They have agreed to take the case on a no win no fee basis, with their fee capped at a maximum of 25% of the compensation award. I have no prior experience of this whatsoever, so I have no idea whether this is a normal deal or not. Is it likely they will just take 25% of whatever is settled? Would a better deal be available or should I just go with this one? These are things I need to decide so any help gratefully received. Yours painfully Yog
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Hi. I've been on the Work Programme for around 8 weeks now. My provider is Seetec who in turn sub-contract to a company called Groundwork (meaning I've never actually met anybody employed directly by Seetec). Over the past 8 weeks I have bent over backwards to work with them as I am desperate to get back into work and genuinely appreciate any help that is offered. Unfortunately, while my advisor has been fantastic, every other member of staff I have been faced with has been beyond useless (it amazes me some of them ever passed an interview). Today I received a letter stating that on 12/08/13 I was notified of a mandatory activity that I must take part in on 23/08/13 but I failed to attend. I now have until the 13/09/13 to respond to this letter or I will be sanctioned. The catch is... I did attend! I signed into the building, took part in my scheduled activity (jobsearch), spoke to the advisor running the group on that day, signed for my travel expenses and signed out of the building before leaving. Obviously I will be at Groundwork at 9am on Monday morning to dispute this and try to get it sorted but are they required to provide me with copies of the signing in/out book or expenses sheet in order to allow me to appeal this potential sanction? Any advice would be massively appreciated. Thank You.
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