We took out a 2nd Mortgage in 2003, as we had a few credit problems we had to go through an adverse credit lender in order to be accepted. When we applied we were told that as we have had problems in the past, the lender would 'insist'on us taking PPI and would reject us if we said no.... We needed the money badly as our 1st mortgage was heavily in arrears at that time and we had no other option so went ahead with the application with PPI. I understand this means we should be entitled to a refund on this basis? Here is where it gets confusing and I hope someone can point us in the right direction. We applied through Dial4aloan Ltd, I have searched the web and they do not appear to be in business anymore. The loan was taken through a lender called Igroup Servicing Ltd who were taken over by GE. Could someone please tell me who I should be addressing my correspondence to? Many thanks

Dear All, My wife was this afternoon involved in a clearly non fault accident (third party reversed into front wing and door of her car while it was parked - she was not even in the car). The third party has admitted liability verbally. The damage is wing minor dent (would need to be replaced though) and door minor dent (might be repairable with a skim of filler and respray). We rang our insurance company (Hastings Direct) this evening, their immediate response was to pass us on to a claims management company (Albany Assist), Albany Assit immediately rejected the claim saying the car would be a write off. We spoke to Hastings again and they said that due to the age of the car (05 plate - pre accident value £3k to £3.5k) and "government / VOSA guidelines" (I can find no such thing) the car would be a write off if we used their approved repairer. They then went on to say that we could go to a repairer of our choice get a quote then depending on what Hasting's inspector says they 'may' payout for the repair and claim back from the third party. But we would have to pay the excess and they migh be able to claim it back. Hastings also suggested that we contacted the third party and sort it out ourselves! To me the whole situation feels like they cannot in anyway be bothered and is little better than Third Party only insurance. I have read various post regarding Hastings and Albany and between them they sound like total [problem] merchants, only interested in credit hire and commission. I do not consider that Hastings are providing the service you would expect of fully comprehensive cover and instead are doing everything possible to avoid getting involved, they have not and at this stage will not even contact the third party's insurer. Has anyone else dealt with this situation? To make matters worse the car has a car finance loan secured against it and if the car is written off the payout will likely be less than the outstanding finance leaving us severely out of pocket though no fault of our own and in fact from Hastings' inaction and refusal to represent the insured parties interests. Thanks

http://www.dailymail.co.uk/money/saving/article-3136488/When-mum-died-Lloyds-grief-harder-bear-Money-Mail-s-writer-moving-account-big-firms-change-insensitive-way-treat-bereaved-families.html

Hi need some advice got a big problem with Bailiffs. Im banging my head against a brick wall just getting nowhere ! Had a Liability Order issued in Dec 2014 £489.07, for Council Tax Arrears . Rang the Council and they told me they couldn't help i had to speak to Bailiff , rang him and he asked for full payment explained that i was on,JSA he asked me to send proof , which i did he told me he never received it ! offered to pay £10.00 a week he refused , so to show willing i paid it anyway hoping they would accept it . I made four payments, he told me i had made two ! Bailiff had now added charges and the amount had risen to £704.07. Emailed Council and told them i would send payments direct to them which i did , they accepted my payments . Council are now telling me i have to deal with Bailiff and the money i have paid them they will send to bailiff on my behalf . She rang Bailiff because i didn't want to deal with them, she set up a payment plan of £25.00 p/w direct to Bailiff ! they wrote and confirmed this . Wot do i do ? I had been in regular contact with the Council as i had no income at all for 6 months so they were aware of my situation . Please advise me on wot to do now i want to avoid all contact with Bailiff . The Bailiff has ADDED £310.00 in charges and threaded to remove my goods ! Lady at Council told me it was a punishment for not paying my Council Tax ! I just don't know what to do please help ?

Don't know if we are allowed to mention names here, but here goes anyway. Interested to know if a letting agent can legally switch energy suppliers on a house up for rent without notifying or seeking authorisation from the Landlord/owner? Discovered that Countrywide 'sold' the contract to E.on, (who incidentally have a whole department dedicated to that company). Countrywide get a fee (although E.on would not say how much this was) and E.on get a new customer (we know how apathetic most people are on changing their suppliers) on any tariff they choose to set. E.on said they took the contract on in good faith (ie. that is on the understanding that the Landlord had agreed). Clearly no checks and balances on E.on's part, but then scruples are always thin on the ground when money is one the table.

I have been thinking for quite awhile that the Banks were not really properly fixed after the 07/08 crash. What happened was that the Banks sold off some of their rubbish debts and some assets, as well as money injected via the bailout and QE. There has also been some tightening of regulatory rules. But I am not convinced that the Banks have actually recovered that much, as the last round of end of year results were not that good. The Banks are still carrying many assets which are probably not as they are valued at. Look at the adverts on TV for loans with interest rates anywhere between 40% and 400%. You don't see many high street Banks advertising loans on TV. Also the motor industry reporting an increase in sales, said that they had been providing finance themselves to customers, presumably because they cannot get the money from the Banks at the interest rates wanted. What is the true state of UK and world Banking in general ? Nb. Two big European Banks (Santander & Deutsche Bank) failed US stress tests recently.

At the moment, I am unemployed due to health reasons. I've just had a major operation and I did not overdraw, but rather, bills like TV license, Virgin Media etc.... They took out £44 for charges and I forgot where the draft is to write a letter to them to claim it back under hardship! I hate HSBC, I really should change banks soon...

Yes everyone my family has a lot of bad luck. I never mentioned this before because I forgot. About two years ago my adviser at Ingeus put me on self employed, because I found a leaflet job. Which I never went for because I didn't know how to do the self tax thing. Last year I got a letter asking for £30, I phoned back up and said 'I am not self employed my adviser did this for me'. He said it was OK and everything would be sorted, well it wasn't. Last week I receieved another letter now asking for £100, my dad said instead of phoning them we can send the letter attatched and I filled out the form, saying I hadn't worked in over 5 years and have been actively seeking work with the help of the Job Centre. Two days ago I got another letter now asking for the £100 and no reply to my form. I will call them and explain the situation, when I see my adviser at JC can I bring in the Self Tax letter asking for the money? I don't know what to do, what happens if it's not solved?

The hinge on my laptop broke . It was under manufacturers guarantee. So I returned it to PCWorld on the 13th October. They said it would take a couple of weeks. It didn’t . I was called on the 13th of November by KnowHow. I was advised by the member of staff there that as my laptop had still not been repaired for over 28 days, I would be entitled to a replacement. She said I should take ID into the shop and if they weren’t able to replace the exact model, they would upgrade. She said they may be able to give vouchers instead. When I got to the PC World store, on the 15th- with all my ID , after waiting 40 mins to be seen, the first person I spoke to called the knowhow line. Knowhow told him that the laptop had actually now been repaired and would be back in store on Wednesday 21st. So it would be up to the managers discretion whether I could receive a replacement or not. I didn’t think waiting another week was acceptable Then began the wait to speak to, the assistant manager. The Assistant Manager had to ring the knowhow line- not sure why. He just did. He learned that the laptop was on it’s way back and said he couldn’t replace the laptop or give me vouchers because I might have taken delivery of the repaired laptop and now be in the shop trying to get a free one. I was, it seemed, something akin to a shoplifter. He said once he had tracked the laptop down, he would be able to issue a replacement- cos that was the only issue. He just needed to check I wasn’t a shoplifter/fraudulent. It seemed that as soon he confirmed that I wasn’t a criminal mastermind, and merely someone who had spent nearly £400 on goods I expect to be fit for purpose, the replacement would be mine. But once he had tracked down the laptop to Wednesbury, home of the famous black country pork scratching, he gave me another reason why he couldn’t replace it. His reason being this time is because a laptop is like cash. Now, it’s not is it? A laptop isn’t cash. It’s a laptop, right? Okay just checking let’s move on. That's some metaphor thing he's got going on yes? So, then he starts doing his typing thing on his little computer. I was really upset and frustrated by now, I actually cried. Oh the shame! He told me to calm down. That’s when his body language got intimidating and his language threatening. “You’re not getting a replacement today! I’m not giving you vouchers or a replacement today” But earlier he had said I would get a replacemnet. Three people had said I would. He then contacted the distribution who said the laptop would now arrive on Saturday afternoon. He said if it wasn’t there Saturday afternoon, he would instantly replace it. I asked if I could have that in writing. He said no, and wrote some lies ( Customer is coming in on Saturday and I hadn’t even said said that) . He printed his lies out. I pointed out the lies and asked again could he confirm in writing that he would replace the laptop were it not there on Saturday. He said he wouldn’t. He said what we would do instead is “review the situation on Saturday.” He went and asked his friend as well- the other assistant manager. That one wouldn’t come and talk to me. Rude. Oh and all this took around two hours. It went on for ages while one assistant manager checked with another assistant manager. I finally got a phone call today to say my laptop was repaired and it has now been collected but I wanted to let other people know about this shocking service. Two hours in there and staff being so rude. I have never experienced anything like it. I hope if a representative of CurrysPCWorld is about, then something can be sorted out in regards to theri policies and that other people don't have to put up with it.

Getting married soon and ordered a personalised cake topper. When it came it was not really the same style as the photo example. Specifically, the "Mr" and "Mrs" are not at different levels and the first letter of our surname is not overly large as in the example (see below) The example pictured is as so: The one we got looks like this (click for bigger): [ATTACH=CONFIG]54567[/ATTACH] Emailed the seller the asking if she could make one with the above features, reply was: Thank you for getting in touch, I apologise for the long delay in getting back to you. We are sorry to hear you are unhappy with your order. I have had a look at the photograph you have sent to us, and can see that the way the & has been placed is due to the letters included in your name. Because of the L we are unable to have the exact same design as Mr and Mrs Smith. We are always happy to send a proof before processing an order if this is requested. Unfortunately we are unable to send a replacement free of charge as this item is not faulty or damaged. However we would be happy to include 25% discount on a new order. I replied with: I understand that each design will be different due to the different letters in various surnames and it is unfortunate that ours didn't allow for the usual style to be applied. What really attracted us to your design was that it had multiple levels of words (The "Mr" high up, stylish large "&" followed by a lower level "Mrs". The surname also had a large Capital which balances out/matches the large "&" sign). I'm sure you can understand why we are slightly disappointed with the end result, as it has very few of the advertised example's features. If it is not possible, as you have said, to create a topper with a similar concept to the example using our surname; then can I regretfully request a refund. I don't like to ask, and I am more than happy to cover the original postage costs. She said: Thank you for getting back to me, unfortunately as this item is a personalised item we are unable to offer a refund or exchange. However as a gesture of goodwill I can either refund you 25% of the order or we can offer a 25% discount on a new order with another design. So, It is a personalised item, but it doesn't really match the example. Am I entitled to my money back? or is the 25% off actually more than generous? I'm just interested more than anything, as to whether she's right or not.

Hopefully I have the right forum section here. I had a minor (tiny) car accident a few weeks back, in which I went in to the back of another vehicle. I estimate my speed as around 5mph prior to slamming on the breaks, and therefore estimate my speed at impact of around 2mph. The damage to the vehicles seems to represent this. The damage (photos were taken) was merely a impact stress crack along around 3/4 of the width of the other vehicles number plate. Likewise, i have a a smaller stress crack on my number plate and a slight dink in the bumper which I would say was from the other vehicles screw that holds the number plate in place (my vehicle (vectra) sits lower than the other vehicle (corsa) Cut a long story short, I have just discovered they other party is not claiming personal injury (soft tissue damage) to himself and 2 occupents of the vehicle. Can this really go ahead??

Hi guys, I really need some advice at the moment as I'm struggling quite a bit here. Firstly, my boiler broke earlier this month, and I contacted my landlord who sent out a Corgi Registered engineer to check it. The engineer told him that the heating element had blown and there was no way it'd be able to be fixed and needed replacing. I'm currently living with my partner and children, and because we're recieving Child Tax Credit he told me to contact Warm Front who would provide a boiler grant to get us a new boiler because he doesn't want to pay £1500 to get a new one. Warm Front sent out too people who did a survey on the 12th August. They asked for my Child Tax Credit award letter, but at the time we couldn't find it. They took other forms of proof and said if there was a problem, I'd be contacted. I'd still heard nothing on the 20th, so I phoned Warm Front and they said the info I'd given them wasn't good enough and they want to see my original CTC award. I told them I still couldn't find it. I was told "Well you better just keep looking for it then won't you". After I got off the phone to them, I contacted HMRC and they agreed to send me a CTC Review 2013/14 form. In the meantime, I'd found a Provisional Child Tax Credit award from 2012/2013. I contacted them about it asking if it'd be acceptable, and the woman I spoke to said yeah that should be fine, so I drove down to Warm Front and handed it in. After she'd photocopied the form, she said she'd arrange an install date and all would be fine. Today I contacted them for an update and was told again that it's not good enough and they want the original form. I told them I can't find the form, but HMRC are sending me a review letter and i'll provide it as soon as I can. They proceeded to tell me that it wouldn't be good enough and unless I provide the original letter, they won't even acknowledge my claim. I contacted my landlord and he just told me to keep at them and that he didn't want to pay the money to get a new one when I could get it for free. He then told me to contact the engineer that came to look at my broken boiler (who I assume my landlord knows) and see if he could have a word with Warm Front to get it pushed through. Problem is, I've had no hot water for nearly a month now and I have children in the house. I'm getting a bit fed up and don't feel that my landlord should be putting me through all this just so he can save a few quid for his own personal needs. I'm having to take my children round to my mums house to bath/wash them which is more than an inconvenience, and neither my landlord or Warm Front seem to be bothered in the slightest. What exactly can I do here? I'm getting pretty stressed out and depressed over the whole thing. Thanks for reading, and sorry for the long post. Any help would be very much appreciated. Paul

BBC apprentice started again last night and I have stopped watching. I find myself shouting at the TV, due to the rubbish they are saying. These are not normal people. They have been selected for having irritating personalities, capable of having an argument in an empty room. And I think the programme makers stitch the people up, by making them try to navigate a very busy London, with each team having access to only two cars. They always split each team up, so they have four sub teams to film. Then they often make sure that the companies they do business with are as spread out as possible. The TV company often select the businesses the teams can deal with, as the TV company need to make sure it is a suitable business to deal with and they are happy to be filmed. So it is all a bit of a made up programme and not really what it presents itself to be. Rant over. Not watching again.

Hello forum, I hope someone can help me as I'm feeling quite stressed about my situation. I am stressed at the lack of customer service I've received where people misquote prices and don't seem to care you have a timetable you need to stick to - they're quite happy to mess around with timings and not be accurate enough when they quote timings, they just don't care and they just want the sale. Quick bit of background and then will ask my questions. I ordered a Tamla lazy boy sofa 3 seater and a 1 seater (manual recliners) and was told 7-8 weeks for delivery. I was unaware at the time there was a free carpet offer on. The offer was only for 16sq m of carpet anyway on certain carpets. This is what I'm having issues with. To begin with it was never really made clear which carpet was actually included as 'free' but he seemed happy for me to think the £12.99 per sq m was included. This matter was cleared up on a later visit and I switched my attention to the carpet that was actually included in the offer. The sales rep seemed knowledgeable but when it came to sorting out the carpet, he quoted me something that would only have been confirmed by the guy who came to measure my front room. He had not been given any information about my order, just told to measure the front room and quoted me for the price of a £5.99 per sq m carpet. Anyway, I went back to the store in Dartford twice to decide on the carpet and was told that the carpet fitter was not aware that I had ordered a lazyboy sofa which is why his quote was different to what the store quoted. I'm still not sure I was actually quoted correctly at all. I had opted for the £9.99 per sq m carpet anyway which was included as the free carpet and had to paid the remaining balance. I even took a picture and confirmed it with the same rep as before that that was the carpet that would be delivered. He told me it was called pewter. I have since found out that pewter is not the colour I wanted. I generally don't do colour coordination or know the variations of colours but if I show you a picture and point to the actual sample I want then how can you tell me a colour is pewter when it isn't? The carpet fitter came on Saturday morning - called me at 8 am to say he'd be there in 20 mins - so I'm rushing around to get my boy out the house and left my partner to deal with the fitting. When I came back I saw that the carpet was not the colour I was expecting - I had confirmed it twice in the store, even took a photo and made sure it matched with that I told the same sales rep. as above, he wrote pewter. The problem is, and now my questions: I cannot find anything on the contract about what to do if SCS mess up and have the wrong colour carpet delivered, particularly if the carpet seems to be the £12.99 per sq m carpet not included in the deal. It has now been fitted and even my partner said to the fitters that it didn't look the right colour but they weren't going to not fit it or contact SCS to check for any mistakes. It was really early in the morning and my partner let them fit the carpet, he doesn't mind the different colour but I usually sort this stuff out. If I had been at home then would I have been able to say 'no' to the fitters and call SCS there and then? The fitters didn't seem to care about having the wrong carpet. So, I now have the wrong colour carpet. It's not a major problem but my new sofas will clash and I don't know how SCS could confirm one thing and still get it wrong. I just don't know my rights. I'm ok with a different colour carpet but I don't want to be charged any extra for their mistake if they have given me the £12.99 per sq m carpet. 1) Is there anything in law that covers me for the mistake made by SCS meaning I don't have to pay extra if they've delivered and fitted a more expensive carpet? As far as I can see if they have misquoted then they bear the loss because I have already paid them. To add, if it's not the more expensive carpet they've delivered then there really isn't a problem at all and I can just complain that it's the wrong colour and leave it at that and call them incompetent. There is nothing in the contract that I can see that covers this type of event, only matters arising from defects. 2) Is there anything in law that covers me for any mistakes made in their quotations for the carpet fitting, underlay and fixings? - I am wondering if I have been misquoted and paid more than I should have. The fitters were supposed to bring 2 gold bars for the 2 doors but they didn't. I also haven't received the rug doctor cleaning kit which I was promised. 2) I am now worried about my lazy boy sofas not being delivered on time. If delivery takes longer than 7-8 weeks what can I do about it? It seems futile to complain to head office but is there anything is law that covers me? I'm not sure what this would be exactly. 3) I don't know how long I have to inform them of the situation but need to know my rights first. They quote 72 hours for sofa delivery issues but say nothing about carpets. I want to call head office to find out their policy on this but after reading reviews of their customer service I'm not sure I will be given the right information. I will go to SCS today to sort out the rug doctor kit and the gold bars issues. I will tell them I have sought legal advice in case I have been misquoted prices and have been delivered the carpet not included in the deal. I will not be paying any money to them but will ask them to make sure that the tamla lazy boys are on track and again quote that I have sought legal advice in case they are not delivered on time. Until someone can advise me on my rights I will just let them know I am aware of mistakes they have made and will take the matter further if I get any hassle from them. I apologise my writing's all over the place but is anyone able to help me? thank you in advance

Took the car into Crawley Branch this afternoon, Front passenger tyre had a gouge in it and spare had a punture. On the website it stated the arrowspeed was £45.00 fitted I turned up without booking an appointment and asked them to check all my tyres, all within legal limit and he said they were fine, I HAD to point out the huge hole showing through to the metal. He then advised me I needed a new tyre and the spare fixed. (Awesome on his part as I had already told him that was what I wanted) I asked how much this would be and was informed £151. Pointing out that the new trye was only £45, I enquired how fixing a puncture in the spare would cost £106, as I could have 3 new tyres for £135. The response was, I'm not in the trade and didn't know what I was doing. PLEASE, PLEASE PLEASE look elsewhere when you require new tryes.

Finally found the right thread to post in: Just as I was happily paying off my debts, and the defaults removed from my credit file, I feel like I am back to square one. I have had my hours at work cut severely so cannot afford to pay my credit cards on a monthly basis. I owe money on ( £2,500) Capital One. I would like to take the bull by the horns and set up a payment plan, but am unsure how to do this. With capital one, I telephoned their payment plan line, and if I decide to close the account they will setup a payment plan. Do I need to send them my income/outgoings? I have read different things on this forum so am unsure whether I can just tell them how much I am going to pay, or if they need to see proof of what I can afford. Any direction that you can point me in will be deeply appreciated as I have not done this in awhile so feel really stuck.

Hi all, I was on my lloyds tsb online banking and I accidentally transferred the money to an old nationwide account i haven't used for a couple of years and was £222 overdrawn. I rang Lloyds straight away and they said there was nothing they could do and I should contact Nationwide. I rang Nationwide and they said as it was £222 overdrawn it's now £78 in credit and they can't do nothing for me despite it being my holiday money for 3 weeks time which i've now lost and the fact it was an error. I didn't type in the details it was an existing payee which i used once around 2 years ago i was meant to have deleted it from the payee list on Lloyds online banking. I know i'm clutching at straws here but I'm desperate as I've just lost my holiday money, I was supposed to transfer it over to my Natwest account for safe keeping but accidentally clicked on the wrong account.

All weekend the tabloids (and twitter) had headlines on bailiffs powers slashed. But have they really? Seems like a master stroke by MoJ and the advice sector have fallen for it. Bailiffs not allowed to call at night - when have they ever called in the middle of the night. In fact visiting times and days have been extended. Goods protected, really? In anything the tools of the trade cap means more trades vehicles will be seized. The listed goods are hardly likely to have been taken before anyway. New fees introduced for the vast majority of debts; council tax and business rates up to £310 from £42.50 New offence of obstruction for which a person can be arrested and go to prison If this reform does not work in the bailiffs favour then you can bet that the regs will get tweaked to their advantage pretty quickly. 4 million actions a year of which 80% are from local authorities means that the government has to get this to work. Finally, the new regs mean that the bailiff industry will have to work closer with the courts which in turn means more favourable decisions. If in doubt ask the sheriffs, they had the same situation some years ago. Now decisions are almost rubber stamped (particulary in regard to costs).

Hello guys, I really hope you may be able to help me. I currently live in a shared house with 4 other housemates. In November, a guy moved in who was eventually evicted from the property in January. Since then, we have had numerous letters for him from DCA's, each one has been seen back "return to sender, not known at address." we haven't had anything for him recently, so I assumed that they had removed the address and that was the end of it. However, we have now had 2 bailiffs attend the property looking for him. The first time I was in and told them that he no longer lives here and was told they would pass that onto the office and see if they can locate him at another property. I have come home today to find a letter from Rossendales, saying they will be attending the property in the next 24 hours unless contact is made. Now heres the problem I have. Thanks to this site, I am aware of what bailiffs can and cannot do. However, 2 of my housemates are Polish and don't speak very good English. I work 5 days a week, and am out of my house for over 12 hours so the chances of me being in when they come are slim. I've tried to explain to the guy who's here most of the day that they cannot enter the house, but I dont think he understands. I have contacted the bailiff, who says he can't guarantee he wont re-attend. Is there anything else I can do to stop them attending? I obviously don't want them to come into the house, and potentially take not only my things, but the items we share. I do have a contact number for one of his friends, but they seem very reluctant to take it.. Thanks for your help!

Hi guys, I'm not in employment and claim JSA + Housing Benefit, although have been offered a 15h/week part-time job. The thing is, the job would pay ca. £520/month. The calculations say I would not be entitled to any benefits if I take this job. Even worse, possibly Council Tax would kick in (or not?). All in all, paradoxically, taking the job would make me worse off by some £50-£100. I barely make ends meet now - on the job I will not even be able to pay up all the bills! Is it really the case the the government is happy enough to let the citizens get by making £520 or am I missing something in those calcuations and/or lack some information? The othe question, a bit unrelated. Is it possible to be fully exempted from water sewage and waste bill? I'm exempted from Council Ttax but need to pay reduced water sewage and waste, according to the Counil, Thanks for reading, k.

My name is bernie, this started 6 years ago, I took out a firsti mortgage on a property I was renovating, the amount was £50,000, I received the first half, but the company refused to give the second half until I had full building regs approval, although I explained work could still be ongoing with getting building regs in to inspect as work progressed, so I was stagnated for some 9 months, unfortunatlely I then got bowel cancer, this caused huge problems, I was given a limited time to live, In fact what was told was I should get my affairs in order, I told the bank who funded the money about my cancer , and they said it is fine , they will extend the length of the loan, after my first surgery and some 90 sessions of chemo and radio theraphy, over the following 36 weeks, I felt I was able to return to work, Unfortunatly the treatment had taken a terrible tole on me , I was in constant pain , never away from the toilet, but worse I was so slow and always tired, I continued to do work as best I could , but the bank were not happy with the progress and constantly threatend me with repossesion, They then said if they were to allow me to continue they would appoint builders , if i did not agree they would make me bankrupt, so i agreed, the builders were on site 1 week, the word tex would be an insult to cowboys . In 35 years in the building trade I have never seen such bad work, in the end I said they had to go , I ended up undoing all the work they had done and redoing it all again at addition cost and time, the bank insisted I get other builders in to do the work , but i I had to go for further surgery, so on my return, I employed 2 builders to help do the work, well in reality they did almost all the work, Often when I was bent double in pain they would say you are stupid you should be at home, but I had every thing I had in this property , so I needed to get it finished, The bank said they would only release payments at £5000 , this proved really difficult, this amount of money does not buy much especially when you are paying two full time builders as well, Often the builders would go doing other work because they had not been paid, this and the fact we were ordering materials in small quanties also contributed to delays, I do of course realise my illness was the reason for a huge part of the delays, After a while the builders said they could not work like this so left altogether, I then started to do the works alone, I lived on site in a box, to go home would mean I had accidents in the toilet department, no bowel control what soever, Sorry to be so graphic, at another site meeting , when work was progressing well but we were on year 3, and I had already by this time had 5 surgical procedures, 1 was through lifting heavy items after my previous surgery, any way they again sent a letter saying they will reposess and make me bankrupt, as I was saying at the site meeting they were impressed with the progress , I said to them at that time , you are not going to wait until I finish and then reposess are you, patrick ruan said very clearly we would never do that bernie, all we want is for you to get the flats finished and get them sold, They seemed to genuinely care, after the top flat was finished they insisted it went on the market with an estate agent, I have always said I am better qualifide to sell because I built them, but they said it had to be an estate agent , they said get 3 valuations, I arranged for these but the first one valued the top flat at £100,000, this was way above my valuation of £85,000, and I said this to patrick , but he said go with them , I explaind often estate agents will over value a property to get your business , then a few months later ask you to drop the price , but he was insistant, any way after a few weeks we had a viewing , Which was the only viewing I did, and it received a cash offer of £82,500, which I thought was great, but graham harvey the other partner in the bank, said I could not even consider an offer so low, so I told the estate agent what he had said, After that we got no more viewings, I completed the bottom flat except for some snagging jobs, and left my worker to complete these while I went to stay with my sick aunt, and then went to china to have traditional chinese medicine, I have been taking traditional medicine now for several years, there are large amounts of extra cost caused by delays with getting payments, but finally it was almost finished, Graham when he came on the first site visit told me you will still do well out of this when it is finished, I said at that time , I will not make any thing, and it is doubtful if I will even recover any of the original building cost, I had no idea how much was oweing by then, I had never received any statements , the iterest was as they put it rolled over, when I got back from china after my treatment, I came home to a repossesion letter, I phoned them up . and Patrick said their was nothing he could do it was being repossesed, if i did not agree they would reposess any way and make me bankrupt, I said no, I need to get advice, he then said if I signed it over willingly they would not pursue me for any shortfall if there was any, , so reluctantly I signed the properties over, during the time they were on the market they asked would I go back and do some jobs on the property for them, as a new building inspector had said some things needed to be done differently, I did this work for them , they even thanked me for helping them , I was told that the properties were now on the market for £60,000, so I contacted them again and again and said if you let me sell them for you I will get you a far better price, I know it sounds insane but I believed at that time they were genuine decent people, that had eventually allowed me to finish the job I had started, this was very important to me , when fighting cancer you need a goal , and this was my goal, but they repeatedly refused my request to help them sell their properties,, saying it would be a conflict of interest, I said how can it be a conflict of interest the properties are yours, I will not even want any thing for selling them for you, but the refused again and again, a while later Graham asked me to go to the site to meet with the building inspector so I went while I was there I noticed that graham had a copy of my home deeds in the site file , I said why have you got that, he said they got this at the beginning of the mortgage , I did not bbelieve him so on the folling monday I called him and asked him again, I even asked him if he intended forcing me to sell my house , he said there would be no point, so I said so I have nothing to worry about then, he said you have nothing to worry about, Am I stupid or what, ( CLEARLY I AM , ) After the second property was sold they sent me a bill for a short fall including interest £1200 A month and adminstration fees £1600 month and site visit fees £385 each week, no wonder they said they will come on a weekly basis the total was over £100,000 , I phoned up and said what is this, you said if there was a short fall you would not pursue me for it , Patrick said at that time we expected to get £95,000 for each property but as we did not we now want full payment , It is clear now that they had no intention of honouring the agreement they had about the shortfall, this was obviously why they got copies of my home deeds before repossessing, during the 2.5 years it took them to sell the properties they phoned some times to see how the renovation work was going on my house, I soon realised that they had no intention of honouring the agreement they had with me, so I did in fact stop working on my home as you can see I was proved correct, Patrick said if I agree to a voluntary charging order being put on my house , they would never pursue to enforce it and wait until the house was sold before they got payment , they sent me these forms , but after reading them, I realised they had no intention or honouring this agreement either, it was in fact a second mortgage , not a voluntary chargeing order with a clause never to enforce, But it had a huge list of things I could not do in my own house which cancelled out this clause , Effectivly if I knocked a nail in the wall I would be in default and they could immediatly enforce the sale, And just in case that did not work, turn over the page and it said they may at any time appoint a liquidator to make me bankrupt and force the sale of my house, so it was clear if they were really not going to force the sale, they would have no reason to put in these clauses, So I said I will need to see a solicitor, this morning I received a statutory demand under section 268 (1) (a) of the insolvency act , Open to any help or advice It is hard enough just trying to stay alive, with out this added pressure, again in my life, sorry my letter was so long , I have missed lots out, all my life I have done business on my word, and so many times I have lost so much because I would never go back on my word, some times I just despair so much of how so many people are Thank you for reading this ,

With our culture and traditions being erroded by immigration, maybe you should look at this:

Ok so ill make this short and sweet with this story. Buy 42" lcd tv 6.4 years ago cover it at 7.99 a month on whatever happens TV on off button starts playing up. Ring up get tv picked up. Two days later call from someone saying TV written off, vouchers sent to replace. Vouchers arrive for £400. Look for a TV that will suit/replace the one we had. Now we hit problems. Old TV spec was that it has 2 hdmi and 2 scarts + other specs that are available now but not on the cheaper end or @ £400. So we argue/speak with a Duty manager at a currys store. He will look into increasing the vouchers (even though I had already spoken to someone on the phone and been told its a store managers discression/decision.) Anyway leave a day or 2, get back to Duty manager who has now passed on all the details to someone in the stores KnowHow team. So I agree thats fine and agree that I will definately get a call today from them. Waited till 3.30pmish and think ok I will just ring instead. ROFL, the person isnt even scheduled to work today so how was I going to be rang back when I have evidence that I was promised to recieve a call ? Here are a few question maybe others can answer for me. When I took out the 7.99 a month cover for my TV what was the value of the good (TV) that this covered as there new policy are £ 6 7 or 8 a month and 8.00 covers TV to the value of £1000-£1250 (as per the T&C on there website). In the small print there is nothing that says you as a customer may refuse the amount offered, or they at no point state that you agree to any decision they make. So as I stated to the Duty Manager, I do not except the offer of £400 and therefore would like my TV returned to me and then I purse it in a different way. They explain that this isnt possible. So who owns my TV ??? isnt it my decision if they offer to replace my goods that I am fit to ask for it to be returned so I can get rid of it in my own manner ? (hope that makes sense). What is "LIKE for LIKE" or what does it constitute when it comes to TV's Size, make, spec etc etc Cause all the Duty Manager was going on about is my old 42" was HD ready so ANY fullHD TV of same size is better, nothing else but that 1 spec. Really getting annoyed now and soon will start other approaches to get this sorted instore as that can be very pro-active when you start making a noise inside and outside of a store

I am in a seriously compromised housing situation and am very concerned my four children and I are going to be evicted from our current council home within two weeks. The house itself was cohabited with my ex partner who left in Oct 2012, he was/is the sole tenant. At the time of the signing for this property 4 years ago (which was a mutual exchange from a 1 bed flat) I thought a joint tenancy would have been drawn up, but it was not. The housing office said no, as it was an exchange. This did concern me but I failed to go any further enquiring. Had we been made aware of how important it is for non married couples.......did the housing officer fail here? When we split up last October, I applied for all relevant benefits, notified all relevant people. As did my ex. The housing benefit application was found ineligible which I was never notified of .....and only the last fortnight become apparent....as court papers for outright possession for rent arrears was hand delivered a couple of weeks ago. My ex partner went to court this Tuesday 24/10/13 and his tenancy has been ceased, he paid £1400 towards the arrears that day and has come to a £400 per month agreement. I am classed as squatting as are his children. The council are willing to house me in another house if I'm not allowed to reside in this, the family home. How and who comes to this decision I don't know. I feel completely failed by them for not safe guarding this sort of thing from arising and not contacting my ex partner or myself regarding the building arrears. It was all preventable, I cant see sense in uprooting a family when we are suitably housed, and settled. Surely the children's welfare is important here?

Hi all This is my first post on here so I hope I have posted in the correct place. I purchased a website through a company called DPBUK Limited two days ago through a dropshipping website, I did research them first, the reviews weren't great, but I decided to go ahead thinking its a simple task what can go wrong. I have experience in creating online stores using Opencart and have a relitively good understanding of web design but I wanted the xml feed of products which I could only get by purchasing one of their websites. All was well initially, the site came up and I spent all night last night getting it sorted; the look of the website itself wasn't was I was used to, it looked like something from 2000, anyway, I accepted that this is what I had paid for, after all it had the product feed that I wanted so I was happy... Next there was a problem with the FTP access to upload files using FTP clients such as FileZilla, I contacted their support and this is when it all went pear shaped... I was told that the FTP access has been permanently disabled for all users, due to a breach of security via FTP in Russia... They did give me an option of booking a 2-hour slot within working hours where they would allow me access to upload files and folders to my website, I have never had this happen with any other web host before and I have used a few! I was advised that I could use the file manager in Cpanel which I knew anyway but you can only upload a file at a time which will take hours. I needed time to think about whether I needed to book a slot so I decided to have a look at my website and relax for a while... So I went to my website and it was gone - I received a 403 forbidden error, not looking good I contacted support to which I receive a reply implying I had deleted the files myself, I had spent hours getting it how I wanted it so why would I do that... There was alot of 'well you must have done this or that', as there was no FTP access, I would have had to log into the cPanel, go to file manager and click every single box on the server and click delete for the whole website to disappear. They have said as I caused it, which I clearly didn't as it was working fine just 10 mins before I contacted them regarding FTP access, they would re-install my website from scratch if I agree as a one-off. I no longer want to continue with this company and wish to cancel the order, so under the circumstances would I be legally entitled to cancel the contract for a full refund. I initially paid £79.99 for the website, £85 for 1 year hosting and £35 for a complete marketing guide, which I am happy to keep as that was my mistake! I would be looking for the years hosting and cost of the website to be refunded. Where would I stand under the Distance Selling Regulations 2000, could I reject the order? I am really unhappy as FTP access comes as standard with any web host and the option to add more FTP users is there in Cpanel but has been disabled so you can't log in, had I have been aware of this issue initially I would have reconsidered my options! And of course there is the issue I have with being made out to be lying, I am 100% certain I did not delete those pesky files! Couldn't I go in with the burden of proof as within 6 months but this clearly isnt a manufacturing defect? I have tried to explain the situation in the most unbiased way as the lady I contacted apart from assuming I had done something wrong was helpful. One last thing, I paid using PayPal. Any advice would be greatly appreciated!! Rory