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About Me


  1. My mum lives on the first floor of a three storey building and is almost 80. The housing association she rents from have moved in a single mother with a child above her and she is going through hell with the noise and it's making her ill. The woman has had people coming in doing DIY at all hours - 7:45pm tonight - and her children are often up at 6am, and sometimes earlier, which wakes my mum (and sister, who lives with her) up and they are unable to get back to sleep due to the noise. They're often also running around late at night as well so mum has to wait until almost 10pm and
  2. My 82 year old mum hasn't been too well recently and her local Nat West Branch has closed down and the new one is a nightmare for parking and she doesn't walk too well. She also got caught out by a phone holiday spoof to the tune of a few hundred quid and became paranoid about the company knowing her account details so we decided that maybe a change to a new bank was a good option. Barclays is my and my sisters bank as well and as difficult as it is to talk about if something happens to mum before it happens to me we theorised that if we are all at the same bank things would be eas
  3. Hi, Just had a friend of mine on the phone in tears as a Bailiff has been to her address regarding Council Tax arrears. She did let them in her house, and they are saying they will be back tomorrow to remove items unless £250 is paid today. Her partner left her early this year with 2 children and she looks after her other child part time which receives DLA, she claims Housing and Council Tax benefits. This seems to be from last year. She had made an arrangement with the council to pay her arrears and was doing at £20 per month, but in the upheaval missed a couple of months.
  4. My nephew is 17, has a learning disability and mental problem. My Mum claims carer's allowence for him, today she received a letter from the Job Centre asking for more information on my nephew. She thought she was claiming Income support for herself as she doesn't sign on. She's worried that she's commited benefit fraud without knowing. My nephew is on PIP for what is wrong with him. The information they are asking is if he's in full education, he's not because the college refused to take him. He went last Septemeber but was turned away. She thought the income support was fo
  5. Good morning A bailiff attended my mother in laws address to retrieve payment of near £1200. The debt is owed by her step son for driving offences. We only know this much because we read about it in the newspaper. The step son used to live at the property over 2 years ago - and hasn't since. The family no longer speaks to the son, and the bailiff visit came as a bit of a shock. The bailiff was rude, arrogant and happy to shout out repeatedly that he was going to take goods if she didn't pay - making a scene presumably for effect - he even threatened to ring the police
  6. Morning Continuing to go through all my credit card/bank account files and checking the grand total of Late Payment Fees and other such charges. Finally got to Barclaycard today. I have had a Barclaycard credit card since 03. I have just collated all the Late Payment Fees B'Card added from 05 to date. Interestingly - from mid 2011 until start 2014 only - B'Card also added a charge titled "Interest on default Sum". Before and after these dates B'card never isolated and advised this charge. The total of charges from 05 = apx £650. The total of compound Interest @
  7. Hi - I need some help quite badly. I had a bad mental breakdown around a year ago and didn't pay some private parking fines. They were for outside my mothers house whilst she was helping me. I didn't get letters as I was away from home getting help. I don't want to go into this further - but I'm not fully recovered. I got a call on Monday morning from my Mother in tears. Bailiffs had come and barged their way into her home. They asked her to get ID and then pushed in. They have then threatened to take all HER stuff. They have said if they cannot prove it's h
  8. Yesterday my mother sadly passed away and I have no idea in the slightest what to do regarding benefits. Theres so much to do already. Firstly I understand I will have to contact the DWP asap to get mums DLA stopped? Next, what do I actually do about my funds? I was on carers allowance for a few years for looking after my mum. In November my mental health problems deteriorated and I had to come off carers allowance to allow me a month or so to work on my own health. It's a very slow process getting help for mental health problems but as the ball was rolling I re-applied for care
  9. Hi I was going through my file of statements for a Store Card taken out in 03 and realise that there is a long list of Late Payment Fees added over the years. Creation has always been the company receiving my payments on behalf of the store. And has always been the company inundating me with calls when I miss a payment !! I do use the store card every now and again. I do pay monthly, sometimes clearing the balance in total, sometimes paying the minimum. sometimes a higher amount. There is currently £500 owing. I have added up all the Late Payment Fees. (Actually Creati
  10. My Mum owns the freehold to her flat - one of 16. Most of the flats are owned as second homes (It is at the seaside) The management committee have a rule that the flats cannot be commercially let/ rented - they can only be occupied by the owners and their families. My question is: is such a rule enforceable ? Thank you for reading !
  11. A mother, furious at waiting more than 48 hours for her online shopping, stormed into her local Asda and took it from the shelves herself. Danni Leadbeater, 30, ordered a £50 shop from the supermarket for herself and her two young children last week. However, it failed to turn up twice after her order was cancelled by the store and then re-booked. And after waiting more than two days, and being charged twice for it, she took matters into her own hands. She went into the Eastlands superstore, opposite Manchester City’s Etihad Stadium and began taking the items from the shelv
  12. Hi All, This is mostly for info - and comment Mum killed herself in July 2015 - dying on the 26th. On 19th Nov, we received a letter from a firm of solicitors claiming to have acted for Mum and hence seeking a payment from us of £573. The letter asks for our agreement to pay within 14 days ("accept our costs" ) or it'll take the matter to court. The first odd thing about this is that it's the first time I've come across solicitors doing work before getting their sticky fingers on money first. The second odd thing is that we're not aware of any solicitors doing work fo
  13. racy tracy

    help with mum

    Hello friends, Im looking for some help and advice regarding the possibility of my lovely mum going in a nursing home, not sure if im posting this in the right place so if not im sorry. My mum's memory is failing her and it seems to be getting that bit worse every day. She has deteriorated quite quickly over the past 6 months. I would say it started shortly after my dad died in Dec 2014, up until that point she was very much 'on the ball'.......my dad used to call her a walking diary because she could remember things so quickly. Anyway, as I say, she seems to have got worse in the p
  14. Hi there, I am trying to help my mother reclaim PPI she paid some years ago, she sent in the complaint forms in december..she quite quickly received a letter responding just to say her complaint was received and they will look into it. on the 3rd jan 2014 she received a letter it said this.. "Dear mrs **** Please accept my apologies for the delay in responding to you; however, our investigations are taking longer than anticipated. We will issue a response by 3/2/14" Then today this letter... Latter dated 20/jan/2014 "dear mrs **** Thank you for contactin
  15. There are many reports of debtors being arrested for obstructing a bailiff (Section 68.1 of Section 12 of the Tribunal Courts & Enforcement Act 2007) or more commonly; for removing a car clamp but it is rare to read a report about a debtor being injured during a bailiff visit. This particular press article featured on SCOOP yesterday. The background to the matter is that the debtor (a young mother) had been fined for using a TV without a valid licence. The balance of the court fine was £200. For reasons that are not known, she did not deal with the debt at the Compliance stage (when
  16. Hello. My Mum lived all her life with her sister who bought their house under the right to buy scheme. Sadly, my aunt died prematurely last November leaving no will and an outstanding balance on the mortgage of 70k. House is worth about 120 approx. The mortgage company are Amber Homeloans and are notoriously dreadful. They have merely sent letters saying she has 12 months to sell. In the meantime she is paying the interest only. My Mum is sole executor and has been granted letters of administration. Under intestancy rules she is only entitled to a 6th of the estate as there are 6 sib
  17. MUM -KITCHEN-CONSUMER FORUM I was wondering if someone could help me? My mums bed ridden after a car accident and she recently needed a kitchen badly adapted a little for her needs in a wheel chair. But worried that she’s been messed about by people who have took advantage of her before she asked for help from the council and the care and repair team hoping they would help and also find some one reliable to do the contract. The Care and repair team came out approx 14th october 2014, shortly half hour latter the kitchen man turned up. But after talking to the company who p
  18. My mother is a pensioner her last years insurance direct debits for her house insurance were taken out of her bank account by a company called mypremiumcredit Her renewal came through 2 weeks ago and last week my mum received a letter from mypremiumcredit stating the company dont have her bank details on file in order to commence the direct debits for the new insurance cover (when she had cover the previous year with them already!) and if my mum does not pay within 2 weeks she will have to cough up the full amount which is almost £250 in one go!. They have a
  19. Hi, my mother had to sever all ties with her partner this weekend. Financially this could be difficult due to her only getting £400 a month pension. She is 63. How does she claim for anything extra if possible. She is techno phobe so doesn't use computers. She isn't married to him. And owns her house. He is no longer allowed in the house. So as a single pensioner, what can she claim please.
  20. Hi, My mother has been unwell for a number of years and has recently been given help by a local charity to sort her debts out and they have recommended a Debt Relief Order through stepchange now I am wondering if many of these debt's are actually enforceable? as some are many years old and have since been passed to DCA's her largest by far is a debt stemming from a business overdraft with HSBC from about a decade ago (last payments was I think 3-4yrs ago) for around £6,000 many of which don't show up on her credit file. (experian shows s
  21. http://www.mirror.co.uk/news/uk-news/mum-undergoes-life-saving-kidney-transplant-4424880
  22. My mum has been in her Private Rented house for 13 years. Her landlord is a local company who has several managers covering different areas. The house is in a dire state and needs lots of work. The toilet in the bathroom is leaking (been reported but nothing done), the leaking toilet has caused some of the ceiling to fall down in the kitchen and the rest is sagging, the bathroom floorboards are rotten, the downstairs toilet doesn't flush, the back door is difficult to open and close (made of wood), most of the window frames (wooden) are completely rotten and my mum can't open several of
  23. Hi all, sorry if this all seems naive but I really don't have much knowledge about the ins and outs of debts/debt collect etc. In 2005 my brother persuaded my 70 year old mum to sign for a mobile phone contract as he has a very poor credit history and assured her he would be making all the payments. It has come to light in the last few days that my brother has been borrowing money from my mum - who is on a low income-pension and I have taken charge of the situation to prevent him taking any more money from her. Having gone through her bank statements with her I notic
  24. A Telegraph reader challenged her mother's care home and it agreed to cut its fees by £289 per week. Here is how you can do the same 'I cut Mum's care home fees by £15,000 a year' A Telegraph reader challenged her mother's care home and it agreed to cut its fees by £289 per week. Here is how you can do the same. Susan Stressing questioned her mother's bills after seeing our earlier report If you challenge the costs of a care home you may just land yourself – or the family member who is paying – a substantial discount. That is what happened to Susa
  25. My friend has recently left her husband and they have two young children under 7. She's moved into a friend's empty house that's on the market, for the time being, until she's able to find somewhere more permanent. Her husband is staying in the family home where their kids were born, which is rented. She only works 12 hours a week and wants to know what benefits she'd be entitled to. She doesn't have a tenancy agreement for the house she's staying in for now as the owners are letting her stay there as a favour and not charging her a set rent. She's 41 and her children will be staying with her.
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