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  1. Hi, I hope you lot can help as I've lurked here but only decided to sign up, I have GAD so this has honestly been keeping me up for the past 3 days. I bought a Corsa from a guy 20 miles away, I don't know if he was an actual trader or a private guy, he said he buys cars and resells them, I collected the car from his house and paid £2150 via bank transfer. Once getting home I only noticed he gave me the V5 full, rather than just the new keeper details. The problem is the registered keeper details don't show his name & address, it's the guy he bought the car from. Okay, so
  2. Tried to do IR lending compaint with Quick Quid. They said No as loans are over 6 years old. Its not much but its a lot to me right now. Also I didnt pay back one of the loans but it has been sold on, to PRA Group I think .... Should I bother sending to Ombudsman? Or write this one off? Have included the statement Thank you all. QQredact.pdf
  3. hi, very odd situation. last night i emptied alot of rubbish in 4 black bags from the shed. folding chair, few wood handles for spade and broomstick, dinner plates, curtains. this mornig everything was gone. including the black bags with alot of old letters etc. about 30 minutes ago some dude with council clothing came and said he went through the black bags, found my letters and someone from the council will be in touch for fly tipping. i said i had the rubbish here, in my drive way. often people take rubbish espically old pc, monitors or metal items. i said
  4. Hi, today I received a letter from Howard Cohen & co. Solicitors re a credit card debt from Barclaycard. (enc) I sent off a CCA request in October 2015. They sent back a copy of term and conditions and a covering letter. Since then they sent letters from Robinson way requesting payment then there was a Notice of Pending Legal Action letter from HC solicitors in August 2016 Nothing since then until todays letter for settlement offer. I'm guessing this is because they can't provide the CCA I requested? I can't pay what there asking anyway....should i just ign
  5. I received an overpayment letter in november 2016 saying hmrc confirmed my income had increased between dec 15 to oct 16. it was originally over £1000 but they had my earnings wrong and i had an underpayment and my overpayment was reduced to £212. how long did it take for you to receive your IUC letter after your overpayment one? i just want this over and done with and i can't afford a solicitor.
  6. I think I may have been scammed .Yesterday I filled out a survey for Lidl, the usual questions how did you find the checkout process etc After I had filled it out it said congratulations you have won a prize, so I followed the link filled out my name & address etc then it said I had to pay for delivery £4.99, this is when alarm bells should have rung but it showed supposedly feedback for the product, so I decided to go ahead and give my debit card details, idiot I know. After the thank you etc I checked my email inbox & it states that I will sent further goods & will be c
  7. Hi, I'm typing this from a tablet so it will be to the point. I got several texts from this company trying to bluff me into ringing them so I googled them, saw what they did and decided to ignore them. Next arrived 2 letters saying that I owed them £24,000 for an account they bought from HBOS! I've never had any accounts with HBOS and I do not know what the heck is going on! I've read that these parasites are in the business of phishing for debts etc. What can I do? Is there a letter I can sent them to get them to feck off? Thanks! Norm
  8. I have a letter from CSS.. They want money for DWP, not sure what it could be, I had a DRO that went through and i think it could be related to that? I know that it's best not to call them or speak on phone, what do I do now? Could they be potentially messing my credit score up (what's left of it)?? Thanks.
  9. July7th 2016 Back in April 2011, I issued through Bailiff Studies Centre a discussion document (number three in the series) entitled "Do we need an enforcement services ombudsman?" The query was met with enthusiasm from some and wariness by others. Since then, of course, matters have moved on considerably. At the time of writing it still appeared likely that the Security Industry Authority would have some regulatory role in the sector and that the introduction of the reformed regime of bailiff law would lead to a considerable strengthening of the proce
  10. My house Insurance company has charged me £30 for an unpaid direct debit. the payment was due on the 28th and I had forgotten about it because of a hectic work schedule of working night shifts. I had a notification of a failed Direct debit payment of £14.30 I phoned them up on the 30th on my day off and paid in full and asked if they would waive the £30 fee and he said he cant do that. I said I thought companies were no longer allowed to charge this much and he replied the company can charge £30 for unpaid direct debits and there is nothing I can do about it.
  11. Ok. I'll keep this shortish. In 2014 I had a CCJ against me for £1320 including court fees this ended up with a bailiff visiting and making an enforcement of goods order. I made a payment plan and have been paying £100 a month ever since for a debt totalling £1660. I paid £400 in June 2015 for a missed payment and to stop them threatening me. Missed payment due to changing bank account. They have charged me another £495 pounds saying that the enforcement went to stage 2 even though no one visited the house. I received no notice of this upgraded enforcement. Also I have discovered they h
  12. Hi, I work in a call centre for this company and I think they may be targeting myself to try and resign or look at anything to sack me in a unfair way, I"ve been with my Employer for 12 years now in a customer advisor role which I love doing. I have maintained high stats and high sales consistently since I started the job and earning a fair bit of commission. Over the past year things have changed in the employer with management shifts and the usual staff turn over, About 6 months ago I was Alleged I committed a action of Gross Misconduct for Call Avoidance but in the d
  13. I have been at the same company since it started 3 years ago. I have been presented with around three contracts, all of which I refused to sign due to mistakes in the badly written contracts (out of date law references, conflicting information etc). I have heard that if you continue to work more than 30 days and receive regular payments, then you automatically accept the contract. How does this work for someone like me that has expressively and with reason rejected the contract?
  14. Hi All I applied to a lender this morning for a loan. I specifically clicked the "Do not pass my details to 3rd parties if unsuccessful". Well I click submit and they declined me which is fine BUT... All day, I have been receiving SMS and Emails etc as well as a few phone calls, about Loans, Credit Cards Blah Blah Blah... They all started the second (And I mean the second) that I was declined. I have complained to the lender (As per usual I went to the top, Its not a big lender) and specifically stated that I didnt want my details passed on but they still did it. Wha
  15. Let us imagine.I hear many things. In my day,when you bought a house you did it up over time and that was that. Looked for a cheap house perhaps a little run down and bought it. Then spent many years saving a little and spending on your home. But i hear whispers,ok cannot be proved and i have not the time to delve to deep. Many landlords may have contacts and when a cheap house comes up puff,it is bought as quick as that. The first time buyers have no chance.Does this happen,perhaps you can tell me. I am not in a big town but i spoke to one landlord who had one hundred p
  16. What do you think. Are some children missing out on the great outdoors and what it offers. Do you think perhaps as technology came in things changed. Do you really think computers help children learn or do you still believe in the old ways. I myself am obsessed with the outdoors ever since a child.The smells as you walk through woods. The crashing waves,and things you can learn on the shoreline. A walk through a forest. The unexpected nature you come across.That never fails to amaze you. First forest i came across was Grizedale Forest in the Lake District.Still think of i
  17. I like going out to markets.Having a look around. Listening to what people are saying. The banter ,the friendship,feel the atmosphere of the market.The massive variety of goods. A special place. I have noticed in our local market some are struggling. In fact a few are leaving in trouble,owing rent etc. Some have done moonlight flits.Perhaps to scared or embarrassed to face things and certain people. After trying so hard. Perhaps many are just scraping through not making much at all for the graft they put in.And hours worked. So if you are a market trader or know a mark
  18. I'm not sure if I have a case? I was a first time buyer if that helps to say in my case? Just looking through my files, the first year (aug 2001) of my mortgage for PPI all I can find is the Halifax mortgage letter saying thank you for applying for a mortgage "As the loan amount you require exceeds our basic lending limit it is necessary for us to arrange additional mortgage security. you will be advised of the fee in due course. Please note that if you are borrowing less than 90% of the lower of the valuation or purchase price we are currently paying this premium." Then on t
  19. Basically I had a hsbc business account which I shut due to the fact I slowed trading for for a while. Started to use my personal account for a bit and then a lot of business subsequently got asked to leave for breaking t&c. Left me without an account, 7 defaults and 3 arrangements on my credit history in the last 6 years. Ive put in an application with Coop for a cash minder, they seem to of lost my application in branch which is a pain. Had a look at the bank groups and basically hsbc aside I had history with all except Santander, figured I had nothing to lose by putting in an
  20. For years, Mac users have been fooled thinking they are safe in the knowledge that their platform was relatively safe from malware. A combination of the lower number of users on the platform, less attention from security researchers and, in general, fewer security holes in the operating system than Windows has led to a history generally free of damaging viruses and malware. So proud has Apple been of its security that it even ran several spots in its Mac vs PC ad campaign dedicated to the idea that Macs don’t get viruses. But in quick succession, two new serious vulnerabilities in O
  21. A report by Citizen Advice found that people were tempted into free trials for slimming pills or similar health supplements, often by online pop-up adverts or across social media sites featuring celebrity endorsements. People thought they were simply giving their debit or credit card details to pay for the £5 postage and packing. But, if they’d read the extremely long small print, they would have discovered that they had signed up to a monthly subscription for these products unless they cancelled within a set period of time. What can you do to about it? Always rea
  22. Beauty products from the skin of executed Chinese prisoners http://www.theguardian.com/science/2005/sep/13/medicineandhealth.china
  23. Hello, I wrote a huge long detailed post but am aware these can be viewed via google (that's how I found this site) and am so so scared. my husband died in a terrible work accident in 2008 and there was no body. I was left with our 2 small children and you can imagine how awful and difficult it was. We'd claimed TC on his pretty low income (I also had a self employed pocket money job but mainly was stay at home mum), and it was extremely difficult for me to sort out his affairs as I I couldn't easilly get a death cert without his body. It was a horrific time. We got a ch
  24. THE ONLY THING WRONG WITH THE GOVERNMENT'S CALCULATION OF AVAILABLE PENSION IS THAT THEY FORGOT TO FIGURE IN ALL THE PEOPLE WHO DIED BEFORE THEY EVER COLLECTED OLD AGE PENSION. WHERE DID ALL THAT MONEY GO? Remember, not only did you and I contribute to our Pension, our employer did, too. It totalled 15% of your income before taxes. Read some More
  25. Hi everyone, Can anyone help me to quote the right legislation to the Employment Tribunal? I am asking the ET to confirm that I should be administered as an employee rather than self employed. I am paid the same rate per hour as the employees but they get statutory holiday pay and SSP. We all do the same job and report to the same manager. The only difference is the way we are paid. Would there be some claim under the equal pay provisions? I would like the ET to confirm that I am an employee and I would really like backdated holiday pay! Can I claim that and if
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