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About Me


Found 17 results

  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Recent High Court PIP Judgement Affecting those with Psychological Distress High Court. RF v Secretary of State for Work and Pensions: http://www.bailii.org/ew/cases/EWHC/Admin/2017/3375.html The High Court Judge: - quashed the new regulations because they discriminate against those with disabilities in breach of Human Rights Act 1998 obligations. - declared that the Secretary of State did not have lawful power to make the regulations (i.e. they were ‘ultra vires’) and should have consulted before making them. Yes the Government is going to appeal this Judgement a
  3. Where to start! We have had our car insurance with GoGirl. Someone made a fraudulent claim against us saying we'd hit them with our car, when we hadn't. Their investigators came out to inspect the car, found nothing and left. That was the last we heard of it. Until last month. Our car insurance is due for renewal, and to cut an horrendously long story short, we can't renew our insurance with our 2 years no claims bonus because of this claim. I've told GoGirl the claim was fraudulent, but they just said that because the claim wasn't followed up it was 'settled as no-fault'. Howev
  4. http://www.bbc.co.uk/news/business-36845617 This Supreme court ruling will affect how Insurers deal with claims where Policyholders have been found to have told lies. " Lying on an insurance claim should not necessarily invalidate it, the Supreme Court has said, in a judgement likely to affect all household policies.It said collateral lies - which are untrue, but do not affect the validity of the claim - can be acceptable. The judges voted by four to one to change one of the important principles behind current insurance law. The insurance industry called it a "blow for hone
  5. I am a fan of TV comedies from 70's, 80's and 90's. Programmes such as Are you being served, Only fools and horses, Allo Allo, Yes Prime Minister, Benny Hill. When you watch them now, you realise that some of the content would be considered too risky to be shown before 9pm now to a family audience. As the world has become more PC, some of the jokes would be considered racist or sexist or too adult for a family audience. Meanwhile people can watch some really offensive stuff 24 hours a day on the internet. The same applies to art work in galleries and museums, where there have be
  6. Hi all Ive finally managed to clear all my debts, however I still can't get 'normal' credit, having checked my file the only negative info is from barclaycard who last updated December 2011 and for the 26 months prior to that they have reported a status code 6 every month. I think they did this retrospectively when they transferred the debt to Cabot in December 2011. My question is am i able to ask them to remove the status updates as I was on a DMP which during Dec 2009 and December 2011 i was making the agreed payments. During may 2009 & Nov 2009
  7. Hi All, I was hoping to get some advice on the best way to handle a dispute I have with Virgin Media, which is probably something I should have done a long time ago. About a year and a half ago I switched from Virgin to Sky and informed them in writing (as is their policy) but it they deny receiving this letter. I wrote to the most local office to me and addressed it to Customer Services. Two or three months went by and I noticed that Virgin were still charging me by Direct Debit. I canceled it through my bank and called Virgin up, informing them of the situation.
  8. Hi All Wondering if I could get some advice from people who have possibly be successful with a query with Tesco affecting their credit file? The long and short of it - plus from what I can remember it was a while ago! I had a mobile phone contract with Tesco in 2012 and cancelled during the 30 day period, I returned the phone to store (where I had taken the phone out) as it was freezing a lot and I wasn't getting on with it. I had to pay the first month upfront so when I returned it the guy in the store the guy helped me transfer numbers across and said 'that's it - nothing mor
  9. Hi Guys New to the forum, so hello! Currently looking to source a new purchase mortgage, and had narrowed the choice of with HSBC and Leeds BS. Just to be sure there were no issues with the applications I signed up to Experian and Equifax to take a look. Experian 940 Good / Equifax 463 Good - so naturally didn't think I would have any problems moving forward. Went to see HSBC on sat, they did a very quick check and gave us an AIP - then spoke to Leeds this morning who said they would run a check for an AIP. They called back to say I had been declined due to advers
  10. Hi i had a debt with 3 g for £111.14 about 8 years ago. i hadnt really heard anything further and at the time 8 years ago i had lost my job and was in a pickle in everything. my current credit history after much hard hard work is completely clear and i have been doing everything to increase my credit score as i would like to buy a house. However, upon leaving for work this morning, good old postman delivers a letter that has left me panicked and worried all day. it was from provident personal credit and says the following;- "we are writing to you in connectio
  11. Hi all I had a nationwide account for years to which I added my husband about 6 years ago - this was for ease of use but tbh I managed (mismanaged) the account. There was an overdraft on the account which kept being suspended as due to a variety of reasons we occasionally went over - then I started on a plan to reduce the overdraft each month - again at various times I forgot the date that it was due to reduce and went over - each time it was set up again the date changed so this kept happening. Eventually due to charges etc which they added I got cross and fell out with them! - lon
  12. I'm hoping you can help me with this issue. Vodafone have posted an outstanding amount of £21 to my credit file from over 2 years ago. The mobile number the bill appertains to is still in service as it was transferred over to my employers and they currently pay the bill. Having just applied for a new mortgage (which was refused due to my credit file as apparently I owe Vodafone £21 !!) this has only just become apparent. I've tried to speak to Vodafone on numerous occasions (dialing 191 from mobile) without success. I want to pay the £21 and g
  13. Hi all, I am currently in the process of trying to obtain a mortgage but I am having serious problems because of three late payments posted on my credit file by Vodafone. last March I cancelled my contract with Vodafone and settled with a small bill for the final month's line rental etc. I also moved house and so you move on without any concern. Then in November last year - 2012 - when visiting mortgage brokers / advisors I was made aware there was a default notice on my account due to three late payments not being made to Vodafone from April to June last year.
  14. Hi guys, Great site....it has helped give me the confidence to confront and repair by financial issues. I am in the process of compiling a letter to the credit card company I owe 6,500. I have been struggling for the last 3 years to make the minimum payments each month (sometimes having to borrow from family & friends) and have finally faced the fact that I can not continue like this. The last 18 months has participially been a challenge with the reduction of my working hours. So much so I rented out my flat and moved in with my brother and his wife to prevent the loss of my hom
  15. Britain's growing debt problems are causing mental health problems, relationship breakdown and family discord, Citizens Advice has said. The majority of those in debt claimed that their money worries were harming their health, according to the charity. In a survey of people experiencing debt problems, three out of four said they had an impact on their mental health, while half said it was causing their work to suffer. A majority of those surveyed said money worries caused problems with a partner, while one in three said they had a detrimental impact on their relationship with their child
  16. Read more : http://www.credittoday.co.uk/article/14530/online-news/debt-buyers-office-closures-to-affect-100-jobs-
  17. One person has been late for work 12 times in the last month. The same person is late for work at least twice a week every week. When this person is late i am landed with a less favourable role to carry out as a direct result. When this person is late they do not "sign in" at all. I have frequently brought this up in supervision (for nearly a year) but nothing appears to be getting done. What can i do? I'm never late for work and this is getting me down.
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