Today I received a letter from DWP saying that I a doubt has been raised because it appears I failed to undertake an activity Ingeus told me to do. It says that on 19.08.2013 I was notified to attend/participate in an appointment on 20.08.13 but that I failed to do so. Now they need a good reason letter from me sent to the address on the letter before 06.09.13 to explain why I didn't undertake this activity. ---------------------------------- on 19.08.2013, whilst I was with my adviser, he said that he didn't have a digital copy of my CV on file , he said that if I didn't send it over to him I will get sanctioned from the jobcentre. I didn't want him to have a digital copy of my CV so I tried to give him my printed CV on paper but he refused. He insisted on a digital one. He then issued me with a mandatory work notification which normally has an appointment on it on the first page 20.08.2013 (which is automatically generated). The details of this letter mentions that the activity to be done at the appointment is that a CV will need to be emailed to him by 5pm on 19.08.2013 as a mandatory activity on the work programme. Failure to receive this cv and cover letter will mean that the job centre will be informed. Although I wasn't interested in sending it to him by email, I have changed it to PDF (no changes can be done to it) with a copyright included then sent it to him. and he received it after checking with him over the phone and that was all completed before 5pm. Now how can he expect me to attend the appointment on 20.08.2013 if the activity to be completed is on 19.08.2013. I am sure this advisor is using this tactic to get me off the work programme. He is deliberately misleading me. I need to lodge a complaint against him. What are the best points to raise in this letter to win this case?

RBS are paying me £2002 from the missold ppi. Thanks to everyone here - esp dx100uk and all the other guys here - who pointed me in the right direction of getting a Subject access report at Lloyds tsb where I found my Lombard direct details. Its a success that I'm happy with - thanks everyone!!!

I write this as an advisory note to any person who considers taking a loan out Wonga or any of its associate companies. I simply say do not! I foolishly believed that taking a loan from this Firm would indeed enhance my credit rating, a view which is most prevalent in all their advertising material. Unfortunately this is so not the case, indeed a loan from this indiscriminate parasite of Financial health will turn a reasonable rating into your financial life loosing its battle on the operating table. Wonga and its associates are out for one thing and one thing only. Not to improve your life in any way but to profiteer from peoples misfortune, be it through its emptying of your bank with roll over and excessively priced loans or indeed your financial dependence on main stream lenders. I asked the company to remove the fully paid accounts from my credit file, but to my astonishment they took the morale high ground saying they had a duty and obligation to report all transactions to credit reference agencies. Is it not a pity they show such morality when emptying their poor unsuspecting customers bank accounts in order to turn their 4500% profit margin. If there was such a thing as Financial cleansing surely Wonga should be the first to be put up against a wall and shot, thus riding the world of an evil entity which so preys on the mis fortune of the human race. Remember a loan in the hand is worth 6 years of financial ruin in the bush!

Article in today's Guardian http://www.guardian.co.uk/society/2013/jul/22/disabled-benefits-claimants-test-atos

Beware of this company Good Egg creative communications D J Higginbottom. We paid them via a website to carry out some design & print work. The work was never carried and this company failed to respond to any emails. We left a negative review on the website Good Egg creative communications simply deleted there profile and re opened a new profile with a slightly different name. This guy is definitely not a Good Egg he is a rotten EGG.

Thanks to caro for providing this. To read the full report : http://www.parliament.uk/business/committees/committees-a-z/joint-select/professional-standards-in-the-banking-industry/news/changing-banking-for-good-report/

Hi all, i've been reading a lot on this forum that bailiffs are not allowed to charge multiple fees and create multiple levies and wp's when acting on multiple liability orders, and that same goods on 2 levies are a no-no. what happened in my case was a bailiff visited my property with 2 liability orders (i know i shouldnt have let him in, but thats another story) and did 2 levies, 2 wp's (listing the same goods) and obviously charged 2 levy fees, 2 wp fees and 2 admin chages. he didnt charge multiple visit fees though. after reading the forum i emailed the bailiff office and raised the issue. got a reply today saying basically all correct, no refunds. can anyone please point me in the direction of relevant guidelines or case law regarding these issues or help me draft a reply to them? thanks a lot.

I just want to tell you guys about my experience with Knowhow. After collecting the laptop from KnowHow (keyboard failure), I realized that a screw was missing from the top left side of the frame. Long story short, couple of months passed and my laptop frame started to come from the side the screw was missing from. No biggie. I called them and told them that they forgot to place the screw back, They took my laptop but then lied to me and told me it was repaired, it was return to me with a letter from Gary Peryment, who said I abused my product. What made the situation ever worse was that my laptop was more damaged than when I sent it off to them:-x. It was not turning on, the motherboard was cooked and there was a coffee cup stain on the lid. I was curious to know why it returned to me completely damaged with cup stains on the lid of the laptop/ So I kept telling Gary Peryment what happened. What made the scenario more strange was that they wrote me a letter stating they forgot to put the screw back in. I called their customer service team about a number of times and each time they were pathetic . Could not provide me with single answer other then only Gary Peryment can solve this situation. The only way I could get any information was through the post, as if we are living in 1900. No telephone and email. A company which sells technology. After three months, which included four letters and taking my laptop to been seen by a IT engineer who sided with me. I got a call from an independent investigator who sounded clearly shocked by their behavior. Even though he said that, I always knew he would side with them as he was hired by them. Another refusal and I thought to give up. By luckily I did not. I sent them a letter before action. After refusing to fix my laptop, I went onto the small claims website. I claimed for £500,it costed me only £35 and if i win I get the £35 back. So after two weeks, they acknowledged my claim. Giving themselves an extra two weeks to make a decision. I waited and on the final day they put in a defense. It was a shame as I would have enforced a judgement. Their aim, I guess was to dishearten me. I finally spoke to one chap in the legal department, who understood my complaint and acknowledged their wrongdoings. we negotiated me a good price of vouchers:-D and I was happy to end this. Even though it was difficult, the only time they will pay out is when they are being taken to court, SO DONT GIVE UP!!!!! I been without a laptop for so long, I dont know what to so with it.

Hi my lovely Caggers!!! I've not posted in a long time, as I've had a slight harassment problem, particularly on the internet, so I've tried to avoid posting full stop, although I have been popping on now and again to have a read Anyway, here's hoping the problem has disappeared for good I did consider making up a new account, but didn't want to confuse myself let alone anyone else Hope you're all well?

Good evening, Today I purchased a one day "temporary cover" motor insurance from Haven, the purpose of this was to use my brothers car in order to move some stuff around. I took the insurance out through a broker called temp cover. The site was very misleading and anyway after 20 minutes I managed to process the application for the policy. I paid 39 pounds for the one day cover. However, when my policy certificate was emailed to me when I opened it the policy was in fact for the 3rd to the 4th of June. So either through a mistake on my behalf or a glitch in the system (I cant be sure) I had a useless policy as I am in work on that date anyway. So I looked to remedy this and on the website it had a number on the top. It was an 0845 number and I have no idea whether this will have cost me money to ring. Anyway, after about ten minutes working my way through the minefield I managed to get through to somebody. I explained the problem and the agent automatically answered me back with "unfortunately Mr Higgins we cannot give you a refund or neither can we change the date of the policy". Basically, tough!!! I asked her if i could speak to her manager to which she replied I am the manager. I explained that I am pretty sure I have some statutory rights to a refund and feel it is completey unfair that they cannot offer me at least a partial refund. I have decided not to take this lying die, why should we as the consumers be bullied by this big companies. 40 pound is not a lot of money but the principle of it is worthless. So this is were anybody reading this comes in. What I would like is some free honest advice. Also, I have a few questions aimed at people who know the Sales of goods and services act as well as long distance selling regulations. Under the latter it states that I am entitled to a 7 day cooling off period. Now I know it would be pointless as in 48 hours the service would have been null anyway. But should I not be entitled to a refund? Any free advice would be much appreciated. Kind Regards Mr Higgins

went for a repossession hearing this morning - property is under offer and due to exchange within the month so I was quite relaxed in that the mortgage company solicitor suggested they go for a 56 day order. I spoke to the 11 year old solicitor sent to represent the solicitor and we agreed to agree on this. On going into court the judge was brilliant.... "I dont understand why you are bringing this action when the house is due to exchange in the next few weeks? Why would you want to saddle these people with a possession order that will make it difficult to get another mortgage...this is nonsense and I am adjourning for a month pending the exchange of this property.....good day!" Top man!! I did smile as the child spluttered and burbled about just in case it doesnt exchange and the judge said in the most condescending way possible...."well we'll come back and you can try again!"

During the first week in February my network went down, I knew it was not my phone as the wife lost hers as well. We then discovered after a couple of days that the whole are had lost it. Numerous calls to Vodafone by myself and others in the area got zero help, as all the person on the other end kept advising was to reset our phones and other stupid ideas. They never once accepted the fault was with them and never passed on the information. After a week I went on to the Vodafone site to report the issue only to discover they don't really have an official fault reporting process other than post something on the forum and pray someone from Vodafone reads it!! We found numerous threads of people reporting the same fault on the forum and it took 10 days before any of us actually got a response, and we'd had no network for all this period. The reply stated they had noted the fault but had no idea when it would be repaired .... Do they only have one engineer? Anyway, it took 3 WEEKS before the network came back online. If I call BT about a problem as I did with a downed phone line in the are during the snow they turned up the next day. I wrote to Vodafone once the network was backup and they have so far given me a £25 credit as an apology and said they will give a further credit when it is back up, I'm still waiting for that though as our houses monthly rental is £60 and as it was down for 75% of the month that is the refund I would expect.

It'll be a year this week I've been in this job, best money I've had since the glory days of 2007, saved shovel-loads of cash and even if it all went "BOOM!" tomorrow, I'm sitting very pretty indeed. But guys, I'll always be Jaybee From The Block, I'm never going to forget the hard times, having to fill out those damn job diaries, or sit for 3 hours a week with those phony work 'providers'. Couple of weeks ago a colleague of mine got laid off, and he was DREADING going back to the JC, very much the nervous type, always took everything the JC threw at him personally, to the point where he literally threw up a few times. Took him to the pub, bought him a few Guinesses and told him how with the JC it's all procedure and show, to keep the expenses tucked right down, and when they harass him with that "You are supposed to spend 35 hours a week job hunting" crap, instead of falling to pieces trying to give an account of the last 7 days, just to smile mirthlessly and drawl, "Yeah, sure". I remember first claiming the dole back in 1990 or so, no damn job diaries, no showing your cv, and you didn't even need to sign on time, quite often I turned up in the afternoon when my signing time was first thing in the morning, they NEVER refused, I did it about 6 times before some woman made a peep. And they actually TRIED TO FIND YOU WORK. It truly was a centre where they would try to get you a job. I absolutely despise the harassment this government needles the unemployed with, and I can tell you I harassed back with regular emails complaining about lapses in procedure, waiting times, the lot. I want to go back to how it was in 1990, I walked in with a smile, signed, and left with a smile. Sometimes I didn't even have my signing papers. But every time I walked in to sign in 2012, over a year back, it was like going into a war zone. Sorry I've rambled, I just feel that everyone who wants a job deserves one, and this damn system nowadays is just driving victims of this recession into horrible pain. I'm not signing any more, but I'm with you guys still. I wish each and every one of you the very best of luck like I've had, keep your chins up, and don't let the b*****s get you down!!!

Hi I hope this is the right forum? I am looking for a mattress and I wandered into a second hand shop, and saw a new memory foam double mattress with springs in as well by Everest. My old mattress is slowly wearing out and I can feel the springs a bit now and it twangs from time to time (not often). The mattress is priced at £175.00 with £35 delivery. althrough the woman whom I next saw quoted £25. I have curvature of the spine and I do sometimes get achy hips in the morning so I don‘t want it too hard. Please can you advise me, my dad wants me to save my money and go for something a bit cheaper. But I am not going to get any better then that. I have laid on it and it felt weird because of the clear plastic covering that was still on it. I have seen one at £299 at another shop which was by a manufacturer called Viscount, but I liked that one because the cellophane wasn’t on it and I could feel it properly. Can you advise me what I should do please? Sorry if this is a silly question? Many thanks for reading this post.

This is an old video with President Reagan in the front row. He is sitting along side of Speaker of the House, Tip O'Neil, enjoying an evening together at the Ford theater. A very funny act takes place on stage. With all of today's security around any of our Presidents, nothing the performer does here could ever take place now. http://www.youtube.com/watch_popup?v=n6mbW-jMtrY&feature=player_detailpage

After doing the rounds of some of the HCEO's tonight it has come to my attention that Sherforce are down yet another Authorised HCEO who has gone to a competitor that at present features on BBC1.

Hi All My daughter has made a video for the McFly battle of the fans competition which closes on the 8th January (no pressure)….….. You don’t even have to watch the video and there’s no ad’s or spam so PC safe……..She Just need’s as many votes as possible to try and win a chance to meet the band. Pretty please could you possibly click the “like” link on this video (facebook required) http://supercity.mcfly.com/battleofthefans/view/503 Feel free to promote via any possible means (Partners, Son’s, Daughter’s, Family, Friends and then their Friends, Face book, You Tube, Linked In, Twitter) the possibilities are endless and constrained by imagination…… but by no means harass…. Huge thanks Jdmave

hi, i was wondering if anybody could answer my queries. i wrote off to Natwest, enquiring if i was due any PPI from previous loans. They have wrote back to me with two loans i previously had, and a good will gesture. They claim that they cannot process any information from what was offered to me etc etc, your usual generic letter and therefore offer me this gesture. I personally see this as a way of fobbing me off because theyd rather entice me with this cash, than pay the full amount due. Here are the details 1) Jan 2008 - £1000 loan APR 28.1% (closed July 2008 - i assume that i payed this off with loan 2) 2) July 2008 - £1900 Loan APR 28.2%( closed Aug 2011) On loan two, i had been paying 91.27 for 3 years and 1 month. In this time, i had claimed the insurance, which the bank paid out 4 times (due to being out of work). They gesture they have offered me is as follows: Total refund of PPI and associated interest paid to date: £267.98 Gross Interest: £44.82 Less Tax (20%): £8.96 Net Interest: £35.86 Total: £303.84 Of course, taking their offer would help me out now. But, i cant help but feel fobbed off. And although its not 1000's like many other peoples claims, even an extra 50-100 quid would be great in this day and age. Any help on my next steps would be greatly appreciated. Thank you Jordan

Hi there, I recently ordered serveral items of exercise equipment online from Sports HQ to help combat my ever developing couch potato physique. After 8 days, 5 days after the expected delivery date, I give SHQ a call as my order has yet to arrive. They inform me that according to there records the items have been delivered. I confirm there has not been a delivery and I have not signed anything to which they reply, "the driver left them on the porch". As I don't have a porch, we eventually came to the aggreement they had been sent to the wrong address and they were going to question the driver. After 2 days and still no answer I call again. Still no update so they decide it best to send the same stock again, which i am more than happy with. Problem sorted. However, 3 weeks later I get a buzz at the door from a nearby neighbour who informs me they have just got back from overseas and have found my initial parcels in there hallway. Turns out they got delivered to that address and the other people living at that address never noticed. Now this is the bit i'm angry at. I call SHQ today and advise them that the initial parcels have turned up and would they like to collect them. Straight away they tell me it's my responsibility to have them picked up or I would have to pay for these items as well. Hang on I say, you delivered them to the wrong address and now i'm resonsible for them. They confirm this is the case and it starts getting a little heated. I said that I work 9am-6pm monday to friday so can they pick it up on the weekend. No, they say, basically it can only be a working day and the pickup would be anytime between 9-5:30 which means I would have to take a day off work to send there goods back. I can't take the items to work because the items are weights, it took all my effort just to get them up the stairs. If I had not called them they would be none the wiser. Now, I seem to be getting punished for doing the right thing. Does anyone have any advise for me? Can they charge me for these items using my initial credit card details? They should be making the effort to collect them. Any feedback would be much appreciated

http://blacktrianglecampaign.org/2012/10/10/disabled-scots-to-be-spared-atos-assessment-after-firm-forced-into-retreat-thanks-to-daily-record-campaign/

Hi all, Been a long time since I was around these forums, however searching Google this morning drew me here and I am glad it did to be honest. I have a car on finance (just over a year left on a four year agreement), and at some point over the coming months I would like to trade up to something newer, and something more practical (I currently have a Passat saloon that has done just over 100k, and could really do with a hatch or an estate). We bought the current car from The Car Shop in Swindon, and to be fair our experience wasn't bad - bit of a hike from where we are, and there was a bit of too-ing and fro-ing with documents etc for the finance (which wasn't The Car Shop's fault, but rather due to us recently having moved house and waiting for my driving licence to come back from the DVLA); The current finance agreement is in good order (no defaults etc), and my credit rating is considerably better than it was in times gone past. I started by looking back at The Car Shop, but to be honest the distance from their showrooms, coupled with the fact that the vast majority of their stock seems to have mileages in the region of 80k miles and more, really put me off. So, I had a look at CarCraft's website, and have even seen a couple of cars on there within budget that I like - however, a bit of searching Google has led me to the conclusion that I would be mental to go anywhere near them! Therefore, can anyone assist with a recommendation for a car dealer or supermarket that are actually worth a light, somewhere around South West London/Staines?

I thought there was some guidance or regs which stated they cannot ask you to borrow more or use credit cards? The DCAs letter has a logo of visa etc cards and then states below pay using debit or credit card. Any further clarification or assistance on this as I am hoping to formulate a letter on this alone to them and to OFT if my assumptions are right?

After realising just how bad things can get for people through reading these forums, I wanted to share a tale that ends pretty well. My daughter, for the past few years has had an arrangement to pay her CT at the end of the month rather than on the 8th/15th as per norm for our council. She has never had any problem with this arrangement. She spoke to the CT collections in December 2011 asking for an extension as she had been off work ill due to finding a lump in her breast and they agreed to defer Decembers payment to February (normal payments being due from April - Jan inc). Whilst on that call, she asked if she was still ok paying at the end of the month and was told yes. So, April she made a payment and in May recieved a summons for non-payment. She rang them from my landline and explained about her arrangement and told them she had made Aprils payment. She was told there was no record of her arrangement and they couldn't recall the summons unless she made full payment there and then. She didn't have 900.00, so she asked if she could make payments at her usual rate and dates (ie the end of the month) and make an extra payment of 80.00 in February 2013 for the cost of the LO. She was told yes. She made payments May June and July, then came home from work one night in August to the standard Equita threatening letter. (Having never been in debt for CT, and never having her arrangement questioned despite it not being in writing, she hadn't realised she didn't have an agreement with the council due to her verbal arrangement with their call centre and recieved no letters off the council after the summons). The bailiff had added hundreds in charges, as the outstanding amount was in the region of 680 including the 80 charges, but the bailiffs letter stated over 1000 owed. Obviously she queried with the council, equita and the individual bailiff, who reduced the amount to 950 after my daughter mentioned she was ringing the council to find out if the amount was correct and why it was that amount if so. Then my daughter rang CAB, they told her to lock doors etc and contact the bailiff telling her it was now with them. The bailiff then left answerphone messages on my daughters phone upping the charges and threatening immediate removal of goods for going to the CAB. My daughter and my son-in-law then went to the council and demanded to see someone from the complaints dept, refusing to be fobbed off with a form to fill in, and explained everything. It turns out the council had employed temps during May and although a call was logged, no details of the call had been recorded hence the agreement not being recognised by them. They called off the bailiffs but my son-in-law got a loan and paid the full amount of council tax left (plus 24.50 for bailiff visit) as he was afraid after complaining, that he might return home to no door or car, not knowing bailiffs don't have the powers they claim to have. They are waiting for written confirmation that the bill is now cleared in full and then are going to complain about both the council and equita to whoever they can. The good news....out of the blue this afternoon, the guy in charge of the complaints dept at the council rang my daughter and told her he is refunding 104.50, the charge for the LO and the costs of the bailiffs first visit, they have sent a cheque out today. It wont stop them complaining as my son-in-law says, how many more have they tried and succeeded in doing this to? But at least sometimes there can be a kind of good ending Gem

Well 2 face to faces, 4 reconsiderations, 2 appeals, 6 month minimum wait and 0 yes 0 appearances in front of a tribunal panel! Speedy wins again! 2 descriptors b+ so 18 points! No schedule 3 so I'm on the WRAG again Took the call 4 hours before my tribunal was to be held not to attend Monday. Decision notice says 24 months before reassessment. Everybody dance now

Hi All. I read some time ago here that when a dca bad credit references you whilst an account is in dispute, thay are committing an offence. Furthermore that there has been a test case that the debtor is entitled to £1000 compensation, without having to prove anything other than the referencing entry. Could some kind knowledgeable soul here point me to the thread and the case reference. I need to file my counterclaim against Lowell by 18-09-12. Any help appreciated. Thanks