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  1. Good afternoon, I entered an arrangement with my Capital One card with reduced payments for a temporary time, due to redudnacy. I have made every payment, as agreed and on time. I checked my credit file and noticed they had uploaded some late payment makrers - 1 on one month, then 2 then 1 and 0 for the latest payment. I have made a complaint about this, and have bene told that this is their process, despite them admitting the adviser on the phone did not advise me they would show as late payments. Is this the correct process for them to follow? I don't t
  2. There's no point in whining about them. We know they're ripping the public for all they can, any way they can. 58% rates, 28 day account periods when almost everyone gets paid monthly nowadays. My wife has a debt of £2096 with Marisota and I don't know how much with Very. (She says she doesn't know the password! I'm resetting it.) And a credit card, and who knows what else hidden. She doesn't work, I have to pay everything. I want to work out a prediction of where this will all go unless dealt with now. I can use spreadsheets but I'm not sure how they calculate the min
  3. Hello, I am looking for some advice as Vodafone have treated me very unfairly and I am disgusted with their customer service. In April 2017 I called to give my 30 days cancellation notice as I had a new phone on order from a different carrier. I was told I could cancel my direct debit as I would get a letter with the final bill amount. Towards the end of July I received a letter stating I owed £112, I called them to query why it was such a high amount and to make payment. The advisor said it was a termination fee, I asked if I could make payment next month and he checked with the bi
  4. Can anyone point me to where it says that HB will only get backdated 1 month? It seems as if all Local Authorities apply this rule, but I am finding it hard to locate the exact legislation permitting them to do so. I would be very grateful on behalf of one of my helpees.
  5. Hi all. I am in the process of moving my mum from the awful Talktalk to a company more reliable and trustworthy. However, it has come to my attention that Talktalk have been taking not one but THREE payments a month from her account. What's more, it looks like this may have been going on since 2013! Things are not making much sense to me I need to dig a little what I know so far is this... There are two amounts being taken for Talktalk and one for Talktalk mobile. She does not have a Talktalk mobile and certainly only one phone/internet line. I recall seeing a p
  6. Mine is a complicated tale and desperately need some advice. To make it easier I will break it down as even I have difficulty undestanding it 2006 Applied for Job Seeker's allowance but refused on I hadn't worked for the last 5 years which I had. After much backwards & forwards they told me they had lost my records then found them and wld now credit NI onto my records. Too late to get the JSA etc as now out of time 2015 Applied for a Pension statement & noticed not enough years on Guess what the original missing 5 NI not been credited. Sent letter & copies of orig
  7. JOHNINYORK

    Payments

    My apologies if I posted in the wrong section,as it relates to a credit card,Santander and Noddle. The story is that my payments do not tally with the balance on my card, this is according to my Noddle report. For example, my last payment on my card was for £500,but Noddle is showing a payment of £100. The balance on my card corresponds to a payment of £500. Looking further back on my report, February of this year, it is showing as 0 payment, but January is £220 and March is £110 .I know for a fact, that I did not make a payment of £220 in January, it was £110.
  8. Hi I have late loan monthly payments recorded on my credit report from Nov 2014 up to now . I haven't paid but want to clear the loan now that I can afford to. Myjar charges a late monthly payment fee if you are 3 days overdue on your monthly payment. I have had no record of them asking for late payment charges from me. Can I ask them to accept the loan repayment in full without any charges and is it likely that they will register a default anyway? Look forward to your response
  9. I received a letter from Jacobs today regarding our current arrangement for council tax debt. I'm extremely frustrated, I have never missed a payment with them and even now our current arrangement is a bit of a squeeze, but I pay non the less. Letter dated Aug 2, 2017. I really cannot afford to pay anymore than our current arrangement, I'm obviously going to call them but, I'm not sure what to say/do I can't deal with Bailiffs at my house again, I was a mess last time.
  10. I have today had a letter from my council cancelling my right to pay my Council Tax. In installments. I have been paying this on line for the last 4 months for this year on a regular basis. My last payment was paid on Monday this week. When I received the letter I phoned my Council who informed me all my on line payments have been taken off an old Debt which is also being taken via my ESA. They say I have to pay again as the money I have paid has gone off my old debt. My question is, Is this correct and can they do this.? I spoke to someone back in April who assured me this
  11. Received my documentation from the above which seems to state that I did not want PPI in the last century but in 2005 I have entries for £40 called 'out of order' charge. Is this PPI can anyone advise.
  12. Hi I pay by monthly instalments for my car tax and I want to change my bank account direct debit details, so yesterday I cancelled the direct debit and will re-tax the vehicle on 1st August. I have now received an email from the DVLA saying I need to re-tax it. The payment for July has been taken out already. I read the gov.uk website (change accounts part) before cancelling the DD, which clearly gives an example: Example You pay by Direct Debit every month, but want to pay from a different account. You cancel the Direct Debit with your bank on 5 June. You can continue driving y
  13. Has anyone experienced glitches in the functionality of these, whereby previous lists pre-populate new ones and the only solution is to log out and start again? Very difficult to explain to online help desk!
  14. Dear All, I come to this website by searching for some advice for a serious dispute with my cowboy builder recently. Please bear with me with my long nasty story: We hired the builder in late April 2017 and agreed to make stage payments in contract. The whole project was quoted £35k We paid him 10% deposite and the first stage payment £9k in advance (what a mistake I know). The first stage payment is supposed to cover the material and labour cost till bricks are laid up to roof level (which was not written in contract but agreed verbally). I did get 3 references
  15. Hey, I apologise if this does not belong in this particular sub forum! More than likely I can't do this, but if you've previously accepted a 'gesture of goodwill' payment to settle a complaint... can you actually turn around and say I no longer accept this as a settlement, return the payment to the creditor? Some of these payments made to me are now quite old, but I did accept a recent payment only a week or so ago... This was/is mainly connected to payday loan companies... as i've already raised the issue of unaffordable lending, continued borrowing etc and settled they won't i
  16. Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession.
  17. Would be grateful for any advice. I worked for a driving school whilst going from being a PDI to a fully qualified ADI. I started 1 May 2016 and the franchise fee was £210 per week which I paid regularly. The pupils pay the company and supposedly this should be passed to me. I have received approx. £3,000 but I work out I am owed another £8,000, the company have not paid me since 24 October 2016, I have been in regular contact with them and they keep asking for spreadsheets, etc, of how many pupils I have taught, in March this year they agreed to pay me £100 per day to clear the bac
  18. Just a quick one before i jump in and start filling in forms thought i had reclaimed all my PPI years ago, however i recently went through my statement and realized that i had two direct debits to the halifax for a bit i thought it was for the home insurance i moved a while ago - then realized it was morgage protection thinking back i can remember them saying that our morgage application would be looked on more favorably if we took it on... now for the first two years of the morgage this was about £50 a month, until we rang them up as it was really high and they removed thi
  19. Hi there I am 41 months into a 48 month standard HP agreement. I paid by DD on the nose every month until around the 30 month time, when I became unemployed (no PPI by the way). Since then I have failed to make some payments on time, but NEVER have been more than 30 days late. I'm no angel this I realise but as I type this at least i'm up to date. Every time I fail to make a payment a DN comes out etc etc but I always pay up. As I have 7 months left to pay and my payments are £400 (but the last payment is £550) I should have 6 x 400 plus 1 x 550 or £2950 lef
  20. 'Why I went to court for my disability payments' READ MORE HERE: http://www.bbc.co.uk/news/uk-39745403
  21. 'Why I went to court for my disability payments' READ MORE HERE: http://www.bbc.co.uk/news/uk-39745403
  22. This article from October 2016 - I dont recall it being mentioned anywhere? Has anyone had a bank try to reclaim some of their pay-out ?
  23. Hi All... First off apologies if I am asking something that has been answered elsewhere... Truth is I'm in a massive hole and trying to find anyway out (not just with welcome lol) Long story short... Took at a 3rd charge loan with welcome about 12 years ago...it was a struggle from the off... About 3 years in welcome offered us the chance to resign to extend the length of the loan and reduce the payments which we did... Split up with the wife who remained in the home about 6 years ago. For the past 5 years no payment have been made to welcome. Current balance is about £29k. My initi
  24. Hi Guys I recently took up a job with a local firm whilst out of work. My contract was terminated as the company received a fine from the council for some road signs i had neglected to collect. My argument to this is i wasn't given a A3 map of the roads in question which clearly shows all signs needed to be collected. Any way after the termination of my contract my wages for the week previous and 3 days i worked when i first started as well as 2 days prior to termination hasn't been paid. I wrote to them threatening legal action unless the monies owed were paid but have not received paym
  25. Hi All, I was wondering if anyone had any advice. Bit of background, In all my life I have never missed a payment for anything. In May last year I should have paid an electric/gas bill with Npower on a property I was selling. I had a bit of a personal crisis going on (depression) and missed the final bill from npower. I (apparently) contacted them to say i would pay the bill by the 1st June, and then through being in a depression completely forgot. (was for around £180). I then sold the house. The 1st of June came and went. This week I applied for a credit card and was refused.
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