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  1. My girlfriend and I are moving house at the end of March, and have agreed with a lettings agency to move to a new property. The initial payment to hold the property was £500 with £200 of that to come off the first months rent. We agreed the fees etc and am just awaiting the forms to complete. However when I was just speaking to them on the phone, the gentleman I had previously been dealing with admitted he had made an error with the fees and needed to pass me on to one of his colleagues. I was then passed on a rather gruff assertive woman who stated that they needed and extra £90 to be
  2. Hey all So I moved into a property on 29 July 2015 I payed £675 deposit and £675 one months rent advance We’ve just been excepted for social housing so have now given notice on this private property. As it’s 4 weeks notice from today this gives me until the 11/03/19 The question is about what is left to pay, am I right in thinking as it’s payed in advance that the £675 I payed on 31st January covers February’s rent until the 28th So I only have to pay the 11 days of March rent as I’ve already payed February’s Or Do I still have to pay February’s
  3. Hi I have been asked to see if anyone knows anything about a company called Angel Advance? Person who asked me to find out was with 123 Debt solutions and never missed a payment etc, was paying them £37 every 2 weeks but they then transfer person to Angel Advance as 123 stopped doing debt After asking for up to date details Angel has now told person he must now pay nearly £500 a month to them! :o I told him to find out why as he only earns around £1,000 a month and his partner gets a pension every 4 weeks of £500, they pay £117 a week rent (HA ) and
  4. In simple terms i'm self employed and have been here since october 2010, up till October 2016 the tenancy was not in my name and was paid monthly but they moved out so at this point the landlord agreed for me to pay 6 months in advance because I was unable to prove enough earnings due to being self employed. I have renewed twice paying the 6 months in advance again so 18 months total but this time they want to put the rent up £300 a year and are asking me to pay £60 in advance to reserve. I'll be honest its doable but its a real struggle this time finding over £4k. Logically it should be
  5. A few years ago my husband applied for PPI refund from a loan with swift advance, although he was definitely mis-sold it his complaint was rejected eventually via the Ombudsman as nobody wanted to take responsibilty and the correct file(s) couldn't be found with the appropriate details,he feels the ombudsman let him down big time but heyho, who is he? He recently received a letter (I couldn't upload it for some reason)stating "In line with the Financial Conduct Authority policy statement PS17/3 issued in March 2017, you can now make a further complaint against Swift Advances PLC (swift)
  6. Hi, perhaps someone here might have some good advice. Southwest Water has just sent us a demand for advance payment for water supplies (probably estimated) , payable in two instalments. Up til now we've always paid weekly or monthly, but we've never trusted direct debits to anyone , and with good reason. Now suddenly Southwest Water want to take nearly my entire pension for two months. What do these people think folk are supposed to live on? I would like to ask if they can demand the whole amount like this, and what can we do? To be absolutely ho
  7. Hi All, My brother has had 8 loans setup in his name, 4x Wageday Advance and 4x Myjar, my brother suffered a brain hemorrhage about 6 years ago and since then he has found it difficult to read and comprehend things, his daughter is the one who setup the loans, we have proof of this by her making a transfer into his account when the payments are due, unfortunately she has also been found out for other fraud to other family members and the payments for the loans have now stopped, leaving my brother a tidy sum against his name. I have spoken to Wageday Advance
  8. My pensioner mum likes the theatre... For years she's been the full time carer for my dad who recently passed away and couldn't go very often. So to treat herself, we encouraged her to go more often. She decided to apply for one of the ATG theatre cards to get discounts on some of the tickets she was planning on booking over the next few months. http://www.atgtickets.com/theatrecard/ This card was taken out on the 15th Sept and the £35 yearly fee paid upfront. They set up a Direct Debit to automatically take the following years payment in Sept 2017 and was informed by the staff
  9. I’m not sure if CAG is the right place for the bit of advice I need. It’s a tale of the folly of paying a tradesman in advance of work being carried out. At the end of my tale this I ask the following questions: 1/ How can a person make a proper search of the Gas Safe and NICEIC registers; before I accuse this guy of something I want to be sure of my facts 2/ Can my tape recorded phone calls be used in court 3/ We agreed a refund price of at least £150 to £200. An NICEIC registered electrician has quoted £552 for the work Lee Temple said he would carry out. Bearing in mind
  10. Hi all! Great job what you do here. On February i became a member of Advance Gym, it was a monthly pay membership so i paid the first membership on cash in advance when i started at the gym and i took the introductory session. I didn't like the gym and i cancel the DD and never came back. While after started the letters telling me that i owe 1 month, and after Harlans and CRS, now Spratt Endicott in asking for 156.49. I sent on June a mail to the gym through the web web page and the told me that i breached terms and conditions as i did't gave one month notice. Should i get an agr
  11. Hello, Sorry, I really tried to keep the description as short as possible: On 03/03/2016 we called some conservatory companies in Devon and finally made appointments with two of them for the next day for a viewing. In the afternoon we sent them a floor plan with detailed measurements and other information about what exactly we wanted. BTW We had even searched the web for reviews about the companies and found nothing negative - just one positive review. On 04/03 an employee of the first company arrived in good time, and we noticed he had the document (which we had emailed the day b
  12. Hi Took out a loan in 2013 when i was unemployed after a difficult time stupid idea at the time now ive been working for the last 2 and a half years ive cleared all my debts well thats what i thought until i got a letter from these cow boys this morning stating i owe them £292.00 from a debt dated back in 2013 which i thought was cleared, and i completly forgot about it. So i got this letter this morning threatning to pass it over to Moorcrap Debt Recovery telling me they will come round my house etc not that im bothered i welcome there arrival to be pushed back down the drive way.
  13. A close family member has received a letter from Moorcroft re a loan they had with WDA. They were suffering financial difficulty and informed WDA of this, the amount was total payable £278. Letters e-mails and financial statements were sent to WDA to make offer for re-payment, this was sent by Royal Mail signed for del, which was received and signed for by WDA in May 2014. WDA had requested they send them Bank Statements which was refused by relative as they had sent them financial statements and step change docs. To date no agreement has been reached, the last contact with WDA was 16th
  14. Hi, not looking for advice as i'm following the same format as my QQ and P2P complaints. I just wanted to update the forum. After WDA emailed me and said they noticed I'd borrowed a lot and they would freeze the interest on my current loan and arrange a repayment plan to help me, I thought it was great. After that the hassle started, constant phonecalls including to my work, even after I asked them to remove the number from their records. I put a complaint in about how poor their service was as they had offered something to me, yet started treating me as if I had defaulted. Letters with
  15. Good Evening, I am trying to locate email addresses for Yes Loans and Liquid Advance which I had loans with, I am trying to reclaim my interest charges from these companies. Could someone help with this please?? Thank you for your time ;-) Kind Regards Mr Wits
  16. In simple terms this is 1 of my 3 accounts, its literally used for a couple of direct debits that I want to keep separate. Having second thoughts considering I keep missing them. I had a direct debit come out this morning which I had forgotten about, checked my bank and it had been paid so I thought best transfer enough in so i'd not go overdrawn which I did. And being extremely cynical of banks I take screenshots of everything just incase. Interestingly I just checked back and that same direct debit has now been bounced and if you have a look at my screenshots fro
  17. Had grief from Virgin Mobile, with an unhelpful call centre staff member (not for the first time). They want to sell you a new phone, or a larger tarrif, but asking questions about the tarrif isn't what they want, and when I asked for help and followed their instructions : it didn't fix the problem.) I'm in credit with them, which credit runs out in 3 months (it was a PAYG SIM initially, topped up numerous times to get 'free data' the next month, and when it had accumulated a large balance I was never going to use, converted to a pay monthly SIM, to use up the credit balance). [VM sugge
  18. In Sept 2014 I booked a Thomson (TUI) holiday in Turkey for July 2015 through Directline Holidays (Broadway Travels) for 10 people including 2 children under 6. In Autumn Statement 2014, the Government announced that from 1 May 2015, APD would be scrapped for children under 12 for both new and existing economy-class bookings. In January 2015 Directline informed me that Thomson had changed the airline from ONUR Airways to Thomas Cook. When the full and final payment was due in April 2015 I questioned Directline about refund of APD and was told that Thomson had many advance boo
  19. Just having a pop at Cashplus MasterCard. Do not get me wrong , the card and service they provide are fantastic. I have been with them since 2012 and never had any issues. As i use their credit builder program and pay no monthly fee they give me an optional extra service called I-Advance. It is a sort of payday loan for a month If ever needed i have the facility for an instant approval on line for a credit advance up to £50.00 deposited into my cashplus account instantly. When i take this up i pay back £60.00 for a £50.00 loan in 28 days They have now increased that by £2.
  20. So my adventure with payday loans started off innocently, but as I have come to a realisation each time I paid off the debt to them I was left in no choice but to take out another loans and so on. This now leaves me with almost 700 pounds of debt (which started off as a 200 pounds). I have written to them partly using this template: -Wage-Day-Pay-Day-Loans-Letter-Template-for-non-payment-** Dear Sir / Madam, I have found myself in a situation where I will not be able to pay off the monies owed to you in a lump sum which is to leave my account on 15/06/2015. I will not have any f
  21. Dear All, A dispute has arisen over scattering of mymother’s ashes and I welcome any views or comments on this predicament! My mother was diagnosed terminally ill, earlier thisyear, and is still with us. Prior to this diagnosis, my mother hadasked us to assist in arranging her pre paid funeral, which we did. I am downas contact (eldest son). My mother wishes to be cremated. Due to diagnosis advance care planning was arranged (lastwishes booklet-this is not a legally binding document) and completed at mymother’s home, between my mother, MacMillan nurse and my mother’s sister. Thisno
  22. I took out £200 loan with wage advance just after Xmas. My monthly payments are £72 approx. I telephoned today to offer a full and final settlement and my offer was declined because not in arrears. I explained my circumstances have changed. The only offer they made was to force it into arrears and redo an affordability assessment and then make 6 payments . Every payment made is interest only the final payment is the loan amount plus interest (£272). Any advice appreciated
  23. Hi all, Had the pleasure of MMF calling me on friday regarding a debt that's been supplied to them by WDA. Now I did have a loan with WDA for £135 (plus £15 transfer fee) which was paid into my account 09/Nov/2012 and paid a total of £187.50 on the 26/Nov/2012 (17days). MMF stated they are chasing me for a debt of £523.50, to which I said I am not prepared to discuss with them until I receive Notice of Assignment and while there at it send me a copy of the credit agreement as I own nothing further to WDA. Over the weekend I received emails from "ascent@mmile.com" stating "Please con
  24. In my local paper the council are reminding people that due to the roll out of Universal Credit,and the way it is paid, our rents will go 4 weeks into arrears, they are hoping that people affected pay small amount each week from now until December when UC will be rolled out in my area to offset those arrears. There is an option to have UC paid in advance to cover the change over, this advance will be recovered over a 6 month period. If that's right then I will be £75 short on the first 6 payments of UC if I choose to have the advanced payment, which is quite a large proportion of my
  25. Hi Please help Capital resolve are threatening me for a debt I had with liquid advance. They have sent a copy of an electronic agreement with yes solutions. I borrowed 260 from liquid advance 18 months ago. Apparently. I thought it was 200. I have made payments of 45 pounds to them via step change and then they gave the debt to capital resolve. I have sent several letters of complaint to capital resolve and also an email stating that I am aware that they have had to report themselves to the FCA etc. I have also told them that I do not
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