Showing results for tags 'today'.
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I got this form a few days ago and I need to return it by the 22nd (less than a week from when I received it). And I'm really not 100% certain how to fill in the box. It does say 'briefly' but I'm worried that if I don't put in enough information that it may go against me when I fill out the actual PIP forms when my son is 16... My son has a diagnosis of ASD and had been getting high care and low mobility (the welfare officer at cab several years ago advised that I should appeal for higher mobility but I was just happy to get something and didn't want to go through an appeal even though he wasn't the only person to advise that). My son has no concept of the value of items at all and there is no way he could manage his own finances but I really have no idea how to explain that. Any help/advice greatly appreciated
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A friend of mine who is doing some research into today’s workplace for her university course has asked me to post this up although I have done it in my words as hers seem a little to complicated for me to understand and would like your honest answers, please not the political correct answer also. A 48-year-old ex-soldier was medically discharged from the army due to mental health issues over 15 years ago. He held down a job for 5 years at first working in a support role for a IT company but is illness got worse and he was forced to give up working, and was put on the sick with a lifetime recommendation in 2005. He is on the maximum amount of anti-depressants he can be safely given, and has tried to take is life several time over the last 17 years, but has not responded to any other treatments offered by the NHS and has now been “parked” as untreatable. Due to the recent rule changes to sickness benefits were mental health is no longer considered as a barrier to work, he is no longer able to claim Employment Support Allowance, and he is put on job seekers allowance and must try and find a job. His mental health issues have worsened over the years and he finds it now difficult to talk to people he doesn’t know well, and although he has a short fuse, he has never been physically violent to anybody, but does shout at people and then walk away. He needs several days in bed to recover from downer episodes and these may occur at short notice. He also suffers for frequent flash back episodes and has been reported to be in a drunken state after, although he is a teetotaller. The job centre says he must apply for up to 30 jobs per week in the local area but all his qualifications are now out of date, and he cannot afford the renewal fees or get any grants for over £20.000 it would cost to bring the up to date. What role would you realistically see him in at you work place or would he even stand a chance of working at your firm, -
im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits" This is the only box ticked so i dont understand am i losing my incapacity and servere disability allowance cos it says first "u are capable of work from the 24.04.2010 but then says this means we have decided that you are no longer entitled to national insurance credits ! Im confused as i claim incapacity and servere but these boxes werent ticked so what do they mean im no longer entitled to national credits ? im worried if they mean that ill no longer get any benefits anyone plz help me thanks in advance
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Hi All, Hoping someone can help I have received an N1 today for a debt which has shown defaulted on my credit file for some time. I have refused to engage in conversation with the debt collection agency (Lowell) who have attempted to call me numerous times and sent numerous letters. Today I got the N1 through the post, just three months before the default is due to drop off my credit file. The particulars state; 1) The Defendant entered into an agreement with Vodafone under account reference [Ref] ('The agreement') 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the claimant on 31/03/2014 and notice given to the Defendant 4) Despite repeated requests for payment, the sum of £332.34 remains due and outstanding And the Claimant claims a) The said sum of £332.34 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of the assignment to the date of issue, accruing at a daily rate of £0.073, but limited to one year, being £26.59 c) Costs The total is broken down as being Claimed: £358.93 Court Fee: £35 Legal Representative's costs: £50 Total amount: £443.93 Credit File reports: Name [My Name] Address [An address I did live at at the time of the account, a shared house] Date of birth [My DOB] Account type Telecommunications Supplier Account number *****0325 0 Account start date 11/12/2008 Opening balance £ 332 Repayment frequency Monthly Date of default 02/06/2010 Default balance £ 332 So, now that the detail is out of the way... Could someone please help me with my options here and some questions? I intend to defend this but i would like to confirm some things i believe to be true; 1) If this did result in a CCJ i could pay that CCJ within a period of time to have it removed from my credit file and the underlying debt would also be removed 3 months from now when the default has been present for 6 years (worst case scenario) 2) Could i pay this debt now and avoid the legal costs or is it too late to do that I have attempted to dispute it via CRA's dispute feature but they have told me to liaise with the creditor, which I have avoided. What is the best way for me to go about defending this claim and being supplied evidence? The Defence form is fairly straight forward, except for the actual defense section as i have no idea how to go about defending the claim. I will pay the debt if they can definitively prove that it is my debt to pay, but if i do this through the courts it looks like it will cost ~30% more to do that There is a high probability that this bottom feeding company (Lowells) is chancing it as they are running out of time, but i dont know if i should trust this feeling or what to do about it. The single most important thing is minimal impact on my credit file, as I expect to apply for a mortgage in October. Thanks in Advance! D.
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Hello, I had a payment plan set up with JBW to pay monthly, I all payments had been met except my February payment was made 2 days late due to me not being paid myself (self employed). Today i had a visit from a bailiff stating that because the payment was late that it has now incurred a £235 fee on top of what was outstanding. The thing that really stings is that i only had 1 payment left to make for a sum of £138 (due end of March) so now the total has sprung back up to £373!! I have spoke with somebody from JBW and said that i had no correspondence from them saying that the matter would be passed to the bailiffs because of the late payment. They said they had text me and emailed me (i received neither!) and that i had to deal direct with the bailiff (who just so happened to be sat in his car outside) about 5mins after my call with JBW the bailiff knocked on saying that he was in the process of getting a van round to remove goods making the debt spiral higher! I haven't let him into the property (and wont be) but just wondered what other fee's he can concoct to make my bill spiral even higher? I can't believe that it has risen so sharply just because one of my payments was 2 days late out of all the others ive made Any help appreciated -
Amount : £200, UK Supermarket. I just called RLP and told them that the person who the letter is for does not live at this address any more. I do, but there are no documents saying I live here whatsoever. They said they will stop sending letters to this address and will begin a trace of the person's actual address. They mentioned banking addresses or something like that. If they do, the address they'll find is no longer owned by my family. At this rate, this should shut them down. If not - I will of course ignore them anyway. Any further thoughts? Thanks for your time and consideration. 2016-04-14 RLP Letter before Claim.pdf -
Hi everyone, I'm new here and after some advice. I was made redundant from my job last September through no fault of my own and been signing on ever since. However, before Christmas I had an appointment with my advisor at my local job centre and gave me details of a job to apply for but 2 weeks ago I received a letter saying that they are going to stop my job seekers allowance from the end of January to the middle of march. I have since appealed the decision in writing but when i went to the job centre today I had to fill in another form and explain again. I know it was my fault for not applying for the job, but I always complete the booklet and attend the job centre on a regular basis to sign on. Any advice? Thanks Louise
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Well today is the day. George Osborne has just left Downing Street with his little red box,full of secrets. What time is the Budget 2016? How to watch, predictions and more on George Osborne's spending announcement News UK News The Budget What time is the Budget 2016? How to watch, predictions and more on George Osborne's spending announcement George Osborne is set to unveil yet more cuts in his 2016 UK budget speech. Here's everything you need to know What will be in store when George Osborne unveils his 2016 budget? Will it be all doom and gloom? Or has he, once again, got an unexpected rabbit hidden in his hat? Gloomy economic forecasts, bleak export figures and the promise of a Budget surplus of £10billion by March 2019 will fuel the Chancellor’s latest attack on Britain’s public services when he delivers his financial statement. The national debt has ballooned to almost £1.6trillion on his watch - about £24,000 for every man, woman and child in the country. You can also expect plenty of the Chancellor's favourite catchphrases to make an appearance. References to a "long term economic plan" and "fixing the roof while the sun is shining" are near certainties. The excitement is building. I can hardly wait,can you.Have your say now or as things develop or afterwards.Leave it to you. Are you going to watch PMQ time.Anticipating a little excitement.Hope the bar is stocked.Such a thirsty lot. http://www.mirror.co.uk/news/uk-news/budget-everything-you-need-know-7563257 -
Women are beautiful, powerful, intelligent and deserve recognition. They are equals. Pulled me out of the mire many times and have so much strength,stamina. Where do they get it from. God bless them all.Any tales to tell,just wondering. How has a women helped you through a difficult time. http://www.internationalwomensday.com/Theme
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What was it that Winnie the Pooh said, you can't just sit in your own corner of the forest. You've got to get out there. Well i thought 'cos today is Feb 29th when traditionally ladies are allowed to propose. I've made myself a sign to hang around my neck, and i'm going to be walking around town all day. Well hopefully it's not going to take all day........ .... Take a chance on me, ready house trained. .....I'm available, i'll say yes. Do you have any Feb 29th stories ? Did you or someone you know propose or perhaps you were proposed to. Or perhaps you have a Feb 29th birthday in the family, how do you celebrate.
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Just after a little bit of advice please. Please excuse any spellings mistakes etc as I am so mad as I type right not At the beginning of this year we took a car on finance, we made several payments and then found that we were struggling to keep up payments but we always caught them up. In June we moved house (notified the finance company) and then from then we completely missed a payment. One payment turned into 2 and we had a visit (at our new house) from a gentleman from "the car finance company", a payment arrangement was put in place but we missed it. I contacted them by email explaining our situation and asking if there was anything we could do and they said "no", that it had been sent to repossession. I emailed them back asking what happens next as I really didn't want repo men turning up at home to take the car unannounced etc and they confirmed that the repo men would get in touch with me first (I made sure that they had the correct contact number as had changed my mobile number). T his was mid September and I haven't heard a thing from them. My husband works as a postman and he was called into his managers office. When arriving in the office he was told that a debt collector was there for him! Imagine his absolute embarrassment!!! He spoke to this guy and the guy said that they had made numerous home visits.... ...only they had been visiting our old house!!!! Are they allowed to turn up at his work??? I have no objection to them taking the car and I have been waiting for them to call to arrange to take it! I also know for a fact that they haven't written to our old address because I have redirection on our mail. I am so mad right now!!! -
@vodafoneuk Vodafone on BBC You and Yours – today
BankFodder posted a topic in Telecoms - mobile or fixed
Well there you are again – Vodafone is at it. Same old story same old villain same old problem same old rubbish – same old gesture of goodwill. A woman who apparently cancelled her Vodafone contract in about 2011 and has been billed all that time. She eventually stops the direct debit and of course suddenly Vodafone leap into action and get the debt collectors onto her case. Will Vodafone begin a court case and have the whole thing ahead before a court of law in front of an independent judge? No, of course not. Vodafone merely prefer to instruct debt collectors to harass people and to browbeat people and to blight their credit files to a point where those people just eventually give up and pay up in order to get a quiet life. Vodafone again. This time, because the BBC got involved Vodafone agreed to write off the debt – as a gesture of goodwill. This lady was on the verge of giving up and thought that she might have to pay. By the way, although Vodafone have been taking her money for years, it was only for the last two months during which the direct debit had been stopped that they were seeking payment. She simply objected to that and also objected to the fact that they hadn't registered her cancellation and that they had trashed her credit file. She wasn't even trying to get her money refunded all the way back. She had effectively written off because she felt she didn't have a hope – that's how desperate Vodafone customers can eventually become. Apparently we have a customer services rep on this forum somewhere called Lee – I'm not too sure where he is but maybe he would like to comment on this Lee? -
Hi, I don't do Facebook so I have started a thread on the MoneySavingExpert forum - The Acenden (administered mortgage) Escape Committee in the section called "Mortgage Free Wannabe" (I can't post links here yet). - Acenden have apparently recommenced selling mortgages on behalf of their new owners. Do join me there. I will post more information on that new thread in a while, eg about the danger signs that indicate that Acenden means to repossess. Everyone's case is unique but there are things we can to help each other get clear of these cowboys. -
Is this the first time you’ve heard about SID? No worries. The video below will brief you on what it’s all about, focusing on this year’s theme“Play Your Part for a Better Internet”. More Than an Invitation, It’s a Challenge In 2015, Insafe, the organization behind the SID global campaign, came up with the slogan “Let’s Create a Better Internet Together”. Although the current and previous themes are essentially not that different, the former’s tone and scope have indeed changed from merely inviting, which anyone can easily turn down, to challenging and reminding Internet users that they can make a difference, no matter how small the effort. We think it is the perfect message that can drive one to respond with greater seriousness and vigilance in taking care of not just what we say online but how we, as privacy- and security- conscious citizens of the Web, should generally respond to the growing sophistication and prevalence of digital threats like exploits and ransomware against businesses and consumers of all ages. Threats in the UK: A Brief Review To help further foster this call for UK citizens to get involved in creating a better and safer online experience, let us refresh ourselves with a four-point list of worrying security findings from previous months that hit the news: •A report in mid-2015, our friends at Symantec named the United Kingdom as the most targeted and cyber-attacked nation in the whole of Europe, with a third of them targeting small- to medium-sized businesses. •The National Crime Agency (NCA) revealed that the UK lost £16 billion to cybercrime and cyber-enabled crimes. One of the main concerns of the organization is the rise of mobile malware due to the increasing number of apps being used for financial transactions. A rife market of users depending on the Internet to procure of goods and services online also proved to be attractive to online criminals. •Speaking of mobile, Ponemon surveyed hundreds of individuals in the UK and reported that majority of Brits would prefer losing their wallets than their smartphones—not because of the value of their device but what is found in it. In fact, they have assessed the data in their smartphones would cost around £6.5 thousand. Although they put great value and importance to their devices, 47 percent of those surveyed don’t think that having data protection features on phones are needed. •In November alone of 2015, the UK was attacked by 1,200 types of malware families. Topping the count were variants from the Kelihos Trojan, the Necurs backdoor, the Bedep Trojan, and the Conficker worm. To add more to the above, our telemetry data has showed that in last 12 months, a total of 154.5M malicious files and 138.2M potentially unwanted program (PUP) have been detected from machines based in the UK. Read More -
Hello good people of the CAG. I have just arrived home from Uni and found 7 letters from a company called Debt Recovery Plus Ltd, each letter demanding £150 for unpaid parking charges. These charges span a period between 16/10/15 - 06/11/15. I called the company to dispute the charges as the ticket machine has been out of order (It is still not working!) and the lady at the car park who checks to see if people have payed and displayed told me to place a note in my windscreen stating that the machine is out of order and I'll not get a fine. DRP told me on the phone that I cannot appeal as I'm am out of the appeal period. I didn't receive any letters from the company that issued the original charges (LDK Security Group Ltd) so this is the first I know about them. Was the guy from DRP correct in informing me that I cannot appeal? Any advice would be very much appreciated. Thanks, Paul. Update: I have just visited LDK Security group website in search for proof of parking violation and apparently there should have been a note stuck to my car with a reference number on it. This has not been the case. -
Hi, I would like any advice you may give. My wife received a letter today regarding possible mis-sold PPI with this company while using Littlewoods catalogue.It gives a freephone number to call and i quote says "you may belong to a small group of customers to whom we may have mis-sold PPI" Is this genuine and should she call them. What does she need to watch out for if she calls. Thanks in advance for any advice.
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please can anyone help me, At 6.50pm today (20/10/15) I was sacked on the spot - no warning, investigation or suspension. I have been there for 13 months, I have done nothing wrong. I made a complaint that my line manager was bullying me 2 weeks ago - then out of the blue I am sacked for lacking the skills to do the job? no warning, capability or ever has this been brought to my attention before. Do I have any rights? I have been offered 2 options and have until 7pm tomorrow (21/10/15) to decide. a) be sacked with 2 months pay, or b) resign with 4 months pay. there is no reports of paperwork, these will only be given if I accept being sacked? I have done nothing! help x
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The following press release has been issued today,1st September; New Professional Association founded for Certificated Enforcement Agents. Following the implementation of the Tribunals, Courts and Enforcement Act 2007 in April 2014, and a year of consultation with Certificated Enforcement Agents, a New Professional Association has been launched to represent Certificated Enforcement Agents and will be known as The Certificated Enforcement Agents Association (CEAA). It has been formed by Enforcement Agents for Enforcement Agents, representing those that act on the front line of enforcement and hold a current certificate under “The Certification of Enforcement Agents Regulations 2014”. For further information please refer to our website http://www.ceaa.co.uk -
This sounds like a nice commemoration. http://www.bbc.com/news/uk-34250794 HB
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hi Folks, looking for some advice on what to to...possibly quite an urgent one I've had a visit today from "High Court Enforcement" (HCEO?), I wasn't in and they have left a letter, saying that I owe £2300 from an uppaid CCJ. Here's the problem.....I didn't know I had a CCJ! I know what the money is for, although it's more than doubled from the original ~£950 bill from Autoglass. Ultimately my insurance should be paying this, but I suspect this may be a side issue. I moved house about 6 months ago which may well be the reason why I was never informed about the CCJ, but I'm not really wanting to pay such an extortionate amount - yes, Autoglass should be paid, but the right amount. What's my best course of action here? The letter is threatening to remove goods (not letting anyone in the house would seem to prevent this), but I can't lock the house forever. Any help or advice? -
Hi all, Received a PCN today from Parking Eye as l am the registered keeper of our family car which was photographed entering a doctors car park ( Private land ) and leaving again about 15 mins later. The problem here is the vehicle was used to drop an elderly person of at the doctors ( who had that morning suffered a bad angina attack and needed to dropped off at the doctors door ) and then the vehicle went back about 15 mins later to pick the elderly person up again. The point here being that the vehicle did not park up in the doctors carpark for 15 mins but returned back, but the photos show the vehicle entering on its first journey in and then leaving after its second journey back into the carpark after picking up. Help and advice needed please as in the past ( 3 yrs ago ) l have had PCN's before and ignored them and nothing became of them. Do l ignore this one or dispute the fact with Parking Eye that the vehicle didn't park up and that their camera didn't photograph the vehicle leaving the first time and re-entering the second time ? I was not the driver by the way. The date of issue of the PCN was about 6 days ago. They're wanting £60 if paid within the next 14 days etc . Don't know which way to go with this one. Any help much appreciated. Thanks in advance. -
Help, Urgent!!! Im in court this afternoon as I have fallen behind with my mortgage and have a repossession hearing. I can offer the full monthly payment starting June 1st. We are back in work after both being made redundant. Is there anything I should say or do? Im so scared. Can they take my house of me today. Its my first time in court in relation to this. Many thanks x -
Hi I've just received a text from Newlyns saying they will attend tomorrow to remove goods. I also accidentally deleted the text!!! so can't remember the exact words a nd don't have the mobile number it came from. I remember it said to call 'this number' now. This debt is a liability order from Canterbury Magistrates for non payment of council tax. I own a small flat near there which is way too small for my family and which I'm trying to sell. I've never lived in it. Council have charged me a full year's tax with no rebate - which I will need to look into as it's 25% rebate most other places for single occupant (or no occupant?). I have been unemployed for nearly two years and now have a job. But Newlyns demanded I pay the £1200 over 6 months even though I was unemployed when I spoke to them. Having been unemployed for so long it's really crippling me trying to catch up with all my unpaid bills now, to the point where I have nothing left each month within a week of pay day. Sometimes I have to cancel a standing order. I didn't pay Newlyn in November and I didn't pay them in January. I'm just too broke. I'm facing a huge council tax bill where I'm living now which will probably need to be paid by April, which is £1100 and I'm hoping my daughter will have her housing benefit sorted by then so they will reduce the bill. I don't know how to deal with Newlyns. I've read some of the sticks about bailiff actions etc but I think this firm are really hard. I think it's disgusting that a bailiff company can be successful enough to be a PLC in this day and age. I'm scared. Does anyone know what I should do? I have never had them visit my current address or discuss any belongings with them. I know they asked for my NI number when I originally spoke to them. They said it was to check I wasn't working. thanks -
ive had a letter today about my wifes loan account which has 7,291.54 remaining outstanding I have requested the CCA and also wrote to Lloyds tsb and requested the SAR. these are still in process at the moment. cabot have received my letter about cca but ive had no reply but they did reply to the other 2 credit cards which I requested the cca for which they said they would hope to have the info within 40 days. t for the loan today I received this odd letter Dear Mrs S****** Contacting Cabot please call 0800 328 0708 (minicom: 01732 524630)urgently, and speak to one of our helpful customer advisors about your account. our aim is to help customers get their accounts cleared so do contact us soon. yours sincerely Chris lambert that's exactly as its been written on the letter it just seems really odd theres no reason why they want to speak to me or anything any ideas peeps?
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Hi. I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish, plus the guy from Citz Advice is not really helping at all. I get back tonight and 2 letters. One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees. I have been paying this weekly, missed a week here and there but generally up to date, it was for a motor fine with courts. This is not in the DRO as fines can not go in dro. However the 2nd letter is off CCS Collect. Saying I owe upto £300 for variou HMRC stuff. This fine is in DRO. They have 'threatened' with action if I do not pay them etc. They say 'our clent hmrc has authed us to recover full amount due. we regret that if no payment in 7 days or an offer to pay etc we will advice cliebnt to litigate amount due with court costs and court fees. This is in the DRO so what's going on? Can anyone shed light on these 2? I have been working in the library on new business ideas all day and the last thing I want to come home to is this ****!
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