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  1. Frankly I feel that it's probably a bot. I don't know if there's a real Katie Chamberlain or whether they have simply picked some name out of the blue and I can't see what it has to do with smile cloud services Anyway, here's the recording of an unsolicited call. call_16-52-49_IN_01130859953.mp3 Internet searches seem to show that this is not an isolated case. If anyone has further information as to how it works then please post it here. This call was recorded automatically on an android mobile phone. Read our customer services guide
  2. Hi folks and thanks for taking an interest. I have a consumer issue which I would like some opinions on please? Please forgive me if this is in the wrong place. On 18/07 I selected and booked accommodation for two nights via the Booking.com website for a place called Juras Mols in Bigauņciems Latvia. I was hoping for a few days away from consumer related hassle, ha ha, must have broken a mirror recently. The website clearly says on the accommodation page: 2nd Paragraph: “Guests can enjoy a sauna and a heated indoor pool. ….” 4th Paragraph: “Free Wi-Fi and free private parkin
  3. I am currently in dispute with a builder over a patio - there have been several attempts to remedy the situation over the past 12 months the patio has been re-laid but there are still significant issues. Last time the builder was on site I unfortunately swore about the situation not directed at the builder. The builder became very aggressive and intimidating - shouting and swearing at me. I asked him to leave the house and he continued. Fortunately, at this point my wife came home with my daughters and she could hear the builder shouting from outside the house.
  4. A new wall rendering and other exterior building works company FISHER RANDALL LTD is now trading. I sincerely hope that they are a good company and that customers who use their services get a good deal and that everyone benefits out of it. However, potential customers should realise that the director of this company is Micah Shaw who is the son of Harvill Shaw who has run a succession of wall rendering companies whose business model seems to have been to go into liquidation every two or three years leaving a lot of very unhappy customers behind with no redress. Harvill Shaw has been
  5. Operational legacy investigations and inquests – help for veterans READ MORE HERE: https://www.gov.uk/guidance/operational-legacy-investigations-and-inquests-help-for-veterans
  6. I booked disability assistance in Stansted Airport. The driver and his colleague of the disability vehicle taking disabled passengers from the plane to the airport building acted unprofessional and reckless. When the car started driving (and speeding!), the driver left the door opened right next to where an elderly passenger sat, she was petrified. After some commotion the car stopped and they closed the door. Then the car started speeding again and then suddenly braked throwing me to the floor, I was wearing a spinal brace at the time. They were saying they drove into a chain that was s
  7. I've posted on another thread about how I'm finally facing the payday loan mess I got myself into a few years ago. I've picked through the chaos and now have a picture of who I borrowed from and roughly how they were left – a lot of these loans were going on at the same time, and my credit file must have already been shot to bits as I was being approved applications. What I'm confused about however is how to proceed with an irresponsible lending complaint if there are still amounts outstanding, or if it has been sold on? It all seems so *messy* and as more time passes the foggier it
  8. Having so many Pay day loans (different thread already) and gambling I took stupidly on the same time unsecured Loan – contract with TM ADVANCES LTD. The interest its huge but when you are gambling you don’t think about now I need a help. They didn’t ask for Bank statement and I can see searches on my Credit file so was very clear how much debt I had already but I am not expecting that this one will be easy
  9. Here is a list of all phase II Universal Credit (UC) rollouts please see my attachments these are the areas that will be affected throughout 2015-16 please read the attachments to find out if and when you may be affected .... This will be from now until spring 2016 As most of you know UC means you only get paid once a month, you also get paid your HB as well. You will be responsible for paying this bills on time and making sure you remain in CREDIT with your rent as per T&C's of your tenancy agreements. (May vary between different Councils/Districts) Failure to pay your Cou
  10. Sorry if this is long winded, will try to get all info here on 1st attempt 5 x creditors total outstanding approx. 46K Barclays loan with Cabot – debt purchased by Cabot Barclays overdraft with Barclays Recovery – debt still with Barclays Store card with Cabot – this one is clear, see below Mint card with Westcot – not sure if bought or just being collected Barclaycard with Mercers – not sure if bought or just being collected Store card with Lowell – not sure if bought or just being collected All were in default but now expired (2016) on credit report,
  11. The Great Repeal Bill – which does the opposite of what it says http://www.independent.co.uk/voices/theresa-may-great-repeal-bill-parliament-brexit-negotations-deal-a7837616.html One of the key points in the Brexit referendum and since has been the returning of power to the elected British Parliament YET the great repeal bill - includes a part which effectively gives absolute power to the PM and a handful of her senior ministers COMPLETELY bypassing the British democratic process. "The Great Repeal Bill proposes to delegate power to Government in the form of a Henry VI
  12. Have you ever tried to make a subject access request to Lloyds bank and been told that they don't keep data longer than six years? Well basically it's a lie – but you wouldn't expect anything else from Lloyds bank. They use an archiving service in Andover and you can get data going back at least 2001. Their address is: – DSAR Unit Lloyds TSB Customer Service recovery Charlton Place C46 Andover SP10 1RE And they even have a telephone number: – 0345 0707124 Although I don't know whether people are prepared to speak to you. Apparently the same arch
  13. Scottish Power Scottish power causeway Wilderspool causeway Warrington WA4 6QD This is not the head office of ScottishPower – but it is the address of a major customer service centre with at least 100 customer service operatives and over 50 other support staff. If you have made your energy contract in England/Wales and you live in England/Wales then you can sue ScottishPower in England/Wales if you have an address for service within the jurisdiction. This address in Warrington will be fine. Don't worry about having to sue out of the jurisdiction in Glasgow or any othe
  14. READ MORE HERE: https://www.gov.uk/government/news/royal-navy-statement-20-july-2016
  15. If you buy an item online and pay with Paypal they have a promotion where if you change your mind they will pay the return shipping costs. It runs to the 31st August and can be used 4 times up to a value of £15 each time. You need to opt in and it appears to be valid for all Paypal users. https://www.paypal.com/uk/webapps/mpp/refunded-returns Terms and conditions: https://www.paypal.com/uk/webapps/mpp/refunded-returns/general-conditions
  16. Hi I’m new to this forum so ‘hello’ & I’d be very grateful for any thoughts that people have. In summary I’m in dispute with a local Estate Agency. I allege that, in July 2014, employees of the agency caused £300 of damage to the bodywork of my car. Initially the agency did not respond to my complaints & requests for compensation. Eventually they contacted me by ‘phone to deny liability and refuse to put their position in writing. I referred the matter to The Property Ombudsman Service (TPOS) who was able to conclude that the agency had failed to respo
  17. 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
  18. There is an announcement about this at the top of each forum but if anybody wants to discuss any concerns or flag up any problems that we have not yet become aware of, then please do it here on this thread.
  19. Child Identity Theft – How Safe is Your Child’s Identity ID theft is not just limited to adults. Children are just as much at risk of having their identity stolen. Unfortunately theft of a child’s identity can go undetected for years, which is why children can be a tempting target for identity thieves. In America, the Federal Trade Commission found children make up the fastest growing segment of identity theft victims.* The UK does not experience this crime to the same degree as our personal data is protected by the Data Protection Act 1998, however with the rise of social media ch
  20. A marston agent attended my property and wrongly executed a warrant that had been dealt with by the issuing court. The court in question had not relinquished the warrant but I had all the relevant paperwork to prove it had been dealt with but the bailiff refused to take that s proof or let me call the court for them to clarify. I was not at home at the time but my heavily pregnant partner was, by the time she called me she was hysterical and in floods of tears. The agent had terrorised her with threats saying that he was going to remove goods unless payment was made in full and that he w
  21. One of the people that we are helping here on this forum wrote a letter to their member of Parliament about the problems they were having with npower. Understandably, the recent election caused a delay in the response. However, remarkably quickly after the member of Parliament was returned, an excellent response was received offering to make representations and asking for further information. We think that this could be a very good move forward. It is a very simple matter to write to your member of Parliament and if people were prepared to let us know that they have written and also
  22. Has anyone read this yet? https://www.gov.uk/government/publications/draft-legislation-the-taxation-of-pensions-bill
  23. About 1430 hours today, Monday 22 December 2014, a Glasgow City Council bin lorry was travelling north on Queen Street when it appeared to strike pedestrians outside the Gallery of Modern Art (GOMA) before continuing to travel towards George Square, when it crashed at the Millennium Hotel on Queen Street at George Square. Read More Here: http://www.scotland.police.uk/whats-happening/news/2014/december/264461 http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/11308468/Glasgow-bin-lorry-crash-live.html Very sad news especially at this time of year. I would like to
  24. In late 2007 when our business failed we were left owing nearly £100,000 – partly on a business loan and business credit card, but a lot of it was in the form of personal (unsecured) loans and credit cards that we had mainly used to support the business. I was advised that bankruptcy was not a good option as I have a large personal debt that would not be eligible to include in a bankruptcy. CCCS were unable to help us even with the personal loans and credit cards as our income was insufficient to cover our living expenses – still had children at home then. I wrot
  25. Hi there, My partner and I moved into a privately rented flat 2 months ago. We really get on with our landlady and are good tenants. The property is always spotless, bills are always paid on time and we really do look after our home. When we moved, we were asked by the letting agent if we had a pet. (At the time) the answer was a no. They confirmed that their 'standard' clause was 'no pets', however there is a clause that states we could have a pet with the landlord's written consent (and this can be broken at any time). I called the letting agent as my partner and I have dec
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