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  1. There is a possibility of a job in Europe for me. Yay... I have dual brit and irish nationality, so no brexit worries about visas etc. I guess there are two scenarios - if brexit happens or if it doesn't happen... I suppose if it does happen I should consider it as worst case - it would be the same as going to some non EU/Non commonwealth country. If it doesn't happen, I still do not understand the current rules. They want to pay me via the french tax system, it will be full time, I have seen the income projection and tax etc and I am happy with it. I will still declare a self em
  2. Hi, I am looking for advice please. At the moment I am heavily in debt with credit cards and for a few years now have been making agreed payments to my creditors on a pro rata basis. Although no interest is being charged there is no way I will be able to clear these debts in my lifetime without either going bankrupt or an IVA. I am 67 years of age and an IVA would take me to 73 and having to live on the breadline for the next 6 years isn't how I had planned my retirement. I have a mortgage and a 2nd charge both on an interest only basis if I were to sell
  3. Got a Drone / Unmanned Aircraft and thinking of flying it in the UK or Abroad? Here we will explain to you the UK Law on using Drones / Unmanned Aircraft and the Drones Code for safe flying that you need to follow. Drones / Unmanned Aircraft have now become so popular in the UK and the laws relating to the flying of unmanned aircraft have evolved and there is now a UK Drone Code by the Civil Aviation Authority (CAA) which anyone flying a drone must adhere to. CAA Flying Drones: https://www.caa.co.uk/Consumers/Model-aircraft-and-drones/Flying-drones/
  4. If you are going on Holiday Abroad always check if you need any Immunisation/Medication beforehand for the areas you may be visiting. NHS Choices Travel Vaccinations: https://www.nhs.uk/conditions/travel-vaccinations/ Travel Health Pro: https://travelhealthpro.org.uk/countries
  5. Today I received an email from PRA Group Dear XXXX Ref 1234567 Capital One Discount Availability: 65% Please note this offer will expire on 15/04/2018 Accept Offer ------ In 2010 I had a breakdown after being bullied at work, and was placed on unpaid sick leave. I managed to make the monthly payments but was made redundant five months later. I got married two weeks later. I was a non EU national and our spousal visa was declined so moved abroad to Spain. I contacted the CC provider as I had PPI, but was told that I wouldn't be eligible to
  6. Hi, We are a married couple. We are entitled to tax credits but not universal credit (due to savings). However next week I am going abroad (out of the EU) where we are building a house. We are still a couple but as I understand it with me being out of the country I cannot be on a tax credit claim (even if this would reduce the amount we can claim). I'll probably come back to the UK in September, but that's not yet certain - it could be later but not earlier. Wife will come to see me in August for a month (she works in school so no problem) Apparently UC is bei
  7. As per this post on the Parking Pranksters blog. You really couldn't make it up! Unless you're the BPA of course, then you can make up anything you'd like
  8. The facts are as follows: 1) I owe MBNA some £10k that has not been paid since November 2016 (so recent) and I imagine is about to default. Its a combination of balance transfers from cards that were used to fund my foreign studies. 2) Until now my parents have been transferring money to my bank account which I then forward to them as minimum payment. This is not sustainable for any of us and I am just barely paying the 28% interest. 3) I have lived abroad for a long time, but kept my UK accounts as they were useful but the situation has become critical. I did not infor
  9. I was driving in Hungary last summer and paid to drive on the motorway like i did the year before, i then received a letter from Euro Carparks EPC stating that i had been fine £54 but it was not clear what it was for t hey sent me picture photos, I tried to telephone them put after several attempts gave up because no one answered i email them and they took a couple for weeks to reply they said I had not paid the correct toll for my vehicle, I paid the fine and then received a letter stating that it had gone up to £185. because i had paid the fine i i
  10. Name of the Claimant - H Cohen Solicitors, Hoist 2 Ltd. Original creditor MKDP LLp (Ex HSBC). Date of issue: 12th September Acknowledgement submitted. What is the claim for – the reason they have issued the claim? This claim is for the sum of £1089 in respect of monies owed pertinent to an overdraft facility under bank account number x. The debt was legally assigned by MKDP (Ex HSBC) to the claimant and notice has been served. The defendant has failed to repay overdraft sums owing under the terms and conditions of the bank account. The Claimant claim: 1. The sum of £
  11. I called EE stating that I moved abroad and they won't cancel my contract as I've only been in it for 4 months and would have to pay £631 for termination fee. I asked if it was possible to change my contract to pay less and they said no. Is there any way to get out of this contract without them being unfair?
  12. Hi, I've read most of the threads here on this topic, but I have a few questions still. My story: I became a non UK resident, outside the EU, in May 2015. In July 2016, I became aware that a professional services fee I had ran up had a balance owing still, 4800 GBP or so, out of an original 23 000, and that a judgement in default had been issued against my last UK address in June 2016. I dispute that all of this money is owed, but a slightly different story. I have no UK assets. I have evidence (e-mail) confirming they knew my residential a
  13. Hi, new to this site, I'm hoping someone will give me some advise as can't seem to find anything about it online. Does anyone know what the rules are for going abroad to the EU on holiday for a few days with my 2 children and another adult ? I am a single parent and am not living with this adult. I'm on CHild Tax Credit as a single person with 2 kids, married but permanently separated. I am worried something will flag up although there is nothing sinister about it and I'm accused of Living with this adult. Thank you Loulou
  14. Writing this on behalf of my missus. She runs a newborn/wedding photography service and has a facebook page to advertise it. https://www.facebook.com/AG-Photography-201381183294753/ She only recently noticed that, the profile pictures she uses on this page, appeared on several pages (used 'image search' in Chrome). This is understandable as she also has a Pinterest page and most of the results are pinterest pins etc. But the problem is that there is a few pages that offer various services like E-cards, phone covers and even a resort in Portugal, that use her photo on their pages
  15. I've lived in Latin America since I finished university in 2010. Yesterday I was given a letter which had been sent from the UK almost a year ago (dated August 21st 2014) saying my account is in arrears by over 1300 pounds. God knows what that has escalated to by now. A few weeks ago, someone called at my dad's house in the UK looking for me - I'm guessing that that is whatever debt collection agency they've sent after me. 1300 GBP is is pretty close to what I earn in a year in this part of the world (basically a volunteer worker) and I've never earned anywhere near their threshold f
  16. A CCJ has been set against me while I was abroad by the Northampton county court. The judgment was made in February 2015 I have been living in Paris since September 2014. I only found out about this after I checked my credit file. The amount is for £609. I intend to have this set aside by making a N244 application. At the moment I am thinking that I will base my defence on the fact that I was not served the court papers due to the fact that I didn't recieve the court papers as I am living in Paris. So I wasn't given the opportunity defend or dispute the c
  17. Hi, I need some input, I am a consultant for a UK based company, and was asked if I wanted to move abroad to paris, the salary was the same as UK at the time but over the year the euro has decreased in Value over time to the point it is significantly less, (2-3 thousand less) The contract I signed did not take into account any changes in exchange rates hence I fear there is nothing I can do about it, would you recommend negotiating a better salary (they have said it is non- negotiable) or joining a workers union to help me out Thanks
  18. Hello all, Thanks in advance for having a look at my post. I've been abroad since finishing university in 2004, while my loan was taken out in 1999 making it a new style loan. No contact was made by either side (i did not tell them I was moving abroad nor gave any info about my work life) until march this year when my old UK address received a letter asking for income info. I sent a reply stating I am abroad and working and an SAR to boot. 2 months later no reply. I am about to sent the "no reply to SAR within 40 days" letter but I'm worried about f
  19. I have booked my summer holidays in Spain, also made a reservation to hire a car for the duration. Just discovered that as of 8th June 2015 the DVLA are scrapping the paper counterpart of the UK drivers licence. This will have an enormous impact on everyone who wants to hire a car either at home or abroad. ............This is the first I have heard of this: Check it out; https://www.gov.uk/government/news/driving-licence-changes If this goes ahead...............you will have to get all this information before hiring any vehicle. Any Thoughts?
  20. Hello CAG posters, Any advice on my current predicament would be MUCH appreciated: Last July I was caught on the TFL network for using a friend's Freedom Pass. I provided my parents' address (genuine, and it was checked via a phone call to Inland Revenue). I admitted that I was trying to save money and when asked why I did this, I replied that I would be leaving the country to volunteer abroad for a year and needed to save some money. My parents received a bailiff letter last week to collect a sum of over 800 pounds. I imagine this is because I received a court summons and did n
  21. I wonder if someone can help me. We moved to Canada 5 years ago and have been paying some credit cards & loans through our uk bank account. Unfortunately the bank closed our account this month. Does anyone know how I can pay my bills from overseas. Contacted Cahoot they said sorry there is no way. Amex has an account but it will cost me dearly to transfer money to the account. Is there anything like paypal that will allow me to pay these accounts Thanks for your help
  22. Hi, I recently tried to transfer money via Iqra finance. Their website can be found by the name of iqragroup. In their website it says: FSA Registered 506617; HMRC Registered 12152234; Company Registered in England & Wales 5398731; ATOL Protected 6954. I withdraw cash from my current account and paid Iqra by cash to be sent money to Bangladesh on the 12th of December and since then whenever I call them to know the status of the transaction, they say the money has reached the account but its not. I went to their office and showed th
  23. Hello everyone, I will be leaving the UK soon to move to Australia and set up a new life with my partner. I have debt on credit cards and loans with a few different banks. With circumstances over the next couple of years probably won't be in a position to pay them back. As I need to move to Australia soon I was just going to move and then when I was in a position to pay them back personally and financially in a couple of years get in contact with the banks then. My question is, is it better to: 1) Just disappear and not tell the banks I have moved to
  24. Got a NIP for 37 in a 30mph zone. asking for a photo and camera calibration certificate. I've also stated in the letter that it's likely I will be travelling abroad for quite a while (up to 6 months), and don't know exactly where I'll be staying. I've provided them with the address of the first hotel I'll be staying in, and that they must write to that address or i won't see any correspondence.The hotel will forward any letters once I've stopped staying there. I'm concerned they'll ignore what I've told them, and they'll end up writing to my uk address, and I won't see the letters.
  25. Hi guys I need some help, i applied for esa on 8th April as i am going through bad anxiety and PTSD. After few days they sent my statement back and ask for doctor's note which i sent on 18th April. On 19th i got sms from Jobcentre that they have all information and they will contact me with the decision. I also received the letter from Jobcentre saying that i am pleased to you that we can pay esa form 8th April you will get £84 a week etc. I rang Jobcentre on 25th April and i was surprised when they said they have not received my sick note and i need to ring on Monday to f
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