Showing results for tags 'than'.
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'E-cigarettes are more harmful than regular tobacco with (up to) 10 times the level of cancer-causing carcinogens, Japanese scientists have claimed' http://www.ibtimes.co.uk/new-research-japan-claims-e-cigarettes-contain-10-times-amount-carcinogens-regular-tobacco-1476932 -
I recently found out after a SAR request to a DCA that at least Experian provide more information about credit applications than we can see on our reports ! There was info about Employment Status, Number of Dependants and Property Value - none of this is shown on the credit reports Anyone know how they get this info and why it isn't shown on a typical report ?
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Hi there I am seeking advice about approaching creditors for a settlement offer, and wondered if this was wise, and what is the best way to do it. I have been on a DMP with Payplan for over 10 years, drip feeding my debts - no IVA or bankruptcy. Originally over 25K, now looking at just over 5K. One of my creditors last year offered me a settlement of 60% write off (mbna), and I was lucky enough to have a family member to help out in that respect. This drastically reduced my overall debt. Still chipping away, I wondered if there was any merit in approaching other creditors on my DMP to see if similar settlement figures could be offered. Has anyone done this? Many thanks -
Took a car I recently purchased to Kwik Fit for full service and advised that front discs and pads were worn to the metal and advised they needed replacing. As I do around 100 miles per day and drive my kids around I agreed to get the work done, and I need the car. The cost to replace the discs and pads came to £368.70 on a 998cc Yaris, when I looked at the Toyota fixed repair price for the same job on the same car it is £210 inclusive. I have been a loyal customer of the Consett Kwik Fit for a number of years but this has really upset me. I did say the price seemed high, but was told that it was right. On the phone when I was advised they were unsafe I'm sure I was told the brakes were £240 to fix which would seem more reasonable. I had paid for the service in advance online so when I went to pick up the car I was only paying for the brakes. What can I do? I was scared the car was unsafe so felt I had to choice but to agree to the work and pay the bill. I now feel totally stupid and ripped off. -
hi, im new so please be gentle with me:wink: been looking through my credit file and have notice welcome finance have put more than a dozen late markers of 6 ,s on my file ,actually over 5 years worth and has never been defaulted i had car with them over 7 years ago and had paid more than half and volunteered to hand car back and that would be it as i had paid more than half seems for over 5 years its geting late markers on my credit file and i heard from a friend that ICO says after 6 late markers it should be defaulted ,is this right ? ive heard nothing for over 6 years from WF and have paid nothing in that time ive also sent CCA over two months ago but no reply can anyone give me advice how get markers off my file also im from scotland and aware could be status barred after 5 years ?
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sudden default appeared on credit file
summer30 posted a topic in Debt management and Debt self-help
Hi All A new default has just appeared on my credit file for a loan from about 9 years ago, as far as we were aware this was a statute barred debt and it had already defaulted years ago. Is there anything we can do? -
In Nov 2012 we were subject to a CC judgement for £299.00 The court ordered us to pay £8 per month from Dec 2012. The claimant objected but was overruled. We have paid diligently every month and in one or two cases paid more.(We have every bank receipt). We have paid a total of £132.00 Today, a letter came from the court with an attachment of earnings and the claimant claims we have failed on our payments & still owe £211.00 !!!!!!!! They also have lumped £100 onto this. I have to fill in the attachment and send it within 8 days..What can I do? The claimants are telling lies and I have the receipts to prove. This is scandalous...Should I see a solicitor on Monday?
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Hello, I have taken a loan from Lloyds TSB 2 months ago. It was to consolidate a £4K debt (high apr). The guy that sold me the loan said that in order to get a low apr I should get a higher loan. I told him that I was planning to pay it off early and he suggested that I don't touch the money apart from the actual consolidation amount. I took a £15K loan at 11% and 3 month buy now pay later. I came into the bank today to pay it off early and I was told that I had to pay additional £670ish in fees. so all in all £15670. I was told that the fees would be minimal. I complained that I have been missold the loan and have a meeting with the manager this week. Now the guy that sold me the loan called me couple hours after my visit and it seemed he tried to convince me it was ok and the other guy was wrong about the fees. It seems to me he was worried that he messed up. Any similar situations/any hints how to sort it out? Would finance ombundsman help? If I knew these fees apply I would have never taken the loan - the seller convinced me it was the right way forward which clearly it isn't. Help! (Many thanks)
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Would it be likely to be placed on the WP for a 2nd time i.e. 4 years.? Work programme 2 years>6 month post work programme support>employed temporary for X months>back to JSA for 3-6 months> Work programme for another 2 years?
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hi all, bit of info needed please if you can help.i'm trying at the moment to get my finances in order as i have just been told that i will be changing shifts at work and will be losing a small fortune in salary. i have a car that i would like to try and hand back as i'm paying nearly £180 a month for i have paid 16 months into a 39 month contract and i know you can hand the car back at 50% ,which i just fall short of. What i want to know is want are my options on this am i better to try and voluntary terminate it (what would happen) or am i better to voluntary surrender it (what would happen)the car is in negative equity and at this point my credit rating is this least of my worries any help would be great as i'm at my wits ends to try and get my outgoings down to try and make up my salary. thanks
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Hi, advice please? I have made a claim on my contents insurance (1st claim in over 5 years), my son lost his mobile phone at a music gig, it is nearly 2 years old so he has not got the receipt just the box with iem number and charger and earphones. They say without proof of ownership they won'y pay! It doesn't mention this on my certificate nor did they say this when I took the policy out, and after thinking about it, I don't have receipts for over 90% of my possessions and home contents! so this makes my whole policy useless, it can't be legal surely? -
Hi all can someone tell me if you have - lets say 3 accounts with halifax, do you send a SAR to each account? or one letter with all 3 accounts stated? - meaning - 30 quid or 10 pound - one letter! Thanks. khemist
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I have been working at the same place for over 15 years now. We at paid an hourly rate + production bonus per week. Our current rate is £5.05 per hr + bonus (this can vary from £30 -£70 P/W) Looking at my payslip on friday I thought it didn't look right. Gross pay was £248.87 for 40 + 1.5 (overtime) This comes to £5.99 P/hr. I also looked at another slip. It was, £250.26 for 40 +1.25 This one works out at £6.06 I believe they would try to argue that it's because my appraisal score (done monthly...or so they tell us) and therefore my bonus has been cut. Am I right in thinking that this is no excuse and they are breaking the law regardless of what reason they decided to cut my bonus.
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