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About Me


Found 25 results

  1. Hi, the answer I need is on the jsa claimant commitment of " most hours I can work each week". The reason is I have a long term disability, 2 years ago on my claim I had this on 24 hours. I started work and claimed working tax credits on 24 hours. but my employer was pushing my hours in a very demanding job for my disability up to 50 plus hours per week. I complained to head office and got no where so resigned from the position. I made a claim for jsa today and the "work coach" said that as I had done 50 hours then 40 hours full time would be on my claim for "hours I can w
  2. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  3. Hi everyone, as suggested I am posting each of my debts separately so I sent a CCA letter to Allied International Credit regarding my Egg credit card (now Barclaycard), I should have received an answer by 22nd July '14 but have today received a letter on Barclaycard headed paper saying they have enclosed a "reconstituted copy of your agreement". it is saying that they are "currently unable to provide a copy of the terms of your credit agreement" and go on to say "they are therefore prevented from enforcing our agreement with you". However they also say
  4. This is a bit scary !! https://www.theguardian.com/politics/2017/apr/23/archaic-tax-may-be-answer-to-church-of-englands-repairs-bill-prayers
  5. When we have a question about something that comes into our minds, we can often find the answers just by searching using Google etc. Lets see what answers we can get without an internet search. First question. Why on the same stretch of coastline, can you find one beach that is mostly sandy and within a few miles find one that is mostly pebbles ? E.g parts of Cornwall, Dorset. I don't know the answer, but my guess is that it is to do with underwater geology and general terrain. E.g if you have lots of rocks under the water near a beach, then it will be mostly sand that i
  6. Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA.
  7. I have returned! Having not posted since 2014, no issues, no debt afaik everything gets paid, tax paid on time, bills utilities etc that kind of thing. But we awoke this morning to find a message on our answerphone from Fredrickson International instructing somebody who they believe lives here, with a VERY dodgy sounding name to contact them with a reference number... They had called, hung up and then called again to leave this automated message. I am totally and utterly confused as to what this is? We have no debt... nothing! Back in 2011 I had a letter from an agen
  8. Intrusive Questions by HSBC Bank I am not happy to answer I have been a customer for several years and not much deposited or withdrawn in the last few years. They now ask the source of my money? If I have other bank accounts here or overseas and details? where do I work now and my employers details, how much I earn and spend? Have I got any property on my name? How much it is worth it? Do I have any other investments and their details? Do I have to answer all those? What protection I have? Do any other banks ask such nuisance questions? Any other banks do not ask such quest
  9. hi thanks for viewing, I need a legal minded person to answer the following issue I have with the landlord/letting agent; prior to October we have had loads of issues with the house we are renting (but love the area before its question why we do not leave!). Over time we have been without : hot water for 7 days and 11 days on separate occasions Been without a shower 8 days and 12 days on separate occasions Without Electrics upstairs for 12 days when we moved in easy to say I know but there have been a large number of issues but we just got on with it. Even though
  10. hi been trying to claim back ppi on a credit card with midland bank/hsbc now since 2013 . i have no statements left but can produce some paperwork for 12 months they denied i had a cc but re searched by hundreds of phone calls and eventually they agreed i did have one but no ppi was on it . the cc was from 1986-2003 and did have ppi and went to metropolitan collections in the 90s the debt was fully paid up. hsbc said prove it or go away, i tried the insurance root for the policy number with axa who tell me the credit card number is the policy number and insur
  11. Hi, I have read a few of the threads regarding npower so I know how incompetent they can be. I will outline my problem in the hope someone can advise: During 2012 and 2013 I had to contact npower a few times because they did things like send me three letters on the same day saying I was variously in credit by £75, £391 and £1078. I pay by direct debit and have always been in credit but I called and told them I thought their administration of my account left a lot to be desired. I have also put through meter readings by phone which on occasion have been ignored and I have had to
  12. The trade negotiations are an assault on democracy. I would vote against them except… hang on a minute, I can’t.... More ...
  13. Hi all, I sent a complaint letter to quickquid about my payday loan on the 30/10/2014. I sent it recorded and they signed for it on the 31/10/2014. They have now had 8 weeks and I sent a letter to another Payday lender (Payday Express) around the same time. They replied with a Deadlock letter so I've gone to the FOS with them. I'm thinking should I just go to the FOS with quickquid because they've had the 8 weeks and not done anything. Here is my letter: Quick Quid 483 Green Lanes London N13 4BS 30 October 2014 Reference Number:
  14. I have applied for a position with British Gas. They asked if I had any CCJ's or IVA's against me within the past 6 years. I said no. However I have progressed a bit further now and have to fill in forms for a full check by Experian, and the question is now worded differently - Have you ever received any County Court Judgments or Individual Voluntary Arrangements against you? My CCJ was over 6 years ago, and has dropped off of ALL of the credit reports I have paid for to check, so my question is - Do I have to tick yes? Thanks in Advance. Tony.
  15. Hi Living in South East Asia. I require my Credit File. Can I obtain this on line or do I need to send by very snail mail Thanks in advance.
  16. Hi, I have an action with Lloyds over a Mastercard. I wrote to them after talking with a claims company as i had been in the past charged for PPI. Lloyds response was that they no longer had a copy of the agreement as it was taken out in 2000. i followed some of the letters on this site and in late 2012 after just no responce at all i stopped payments. Lloyds after taking their time have now issued proceedings. they have stated to the Court that they have no requirement to produce a true copy of the CCA following the Carey v HSBC bank plc (2009) EWHC 3417 (QB). It woul
  17. Hi I have been getting messages from quidmarket on my answering machine (there is 5 of us in our house), saying it is such and such from their legal team and if I dont contact them before 5pm tomorrow they are going to file a CCJ against me, TBH I dont really care what they do to me but other people are listening to these messages, is there anything I can do about it
  18. About a year ago my brother had a county court judgement made against him. He is disabled with learning difficulties and does not handle his own money. Today a person from the court call at the flat to serve him an order to attend court to answer under oath about his means. My mother answered the door and refused to let him in or let him speak to my brother. She told him we usually deal with my brother's affairs. He gave her the notice and made a note on his sheet that he had given it to her for that reason (actually while she helps with his money she does not have a power of attorney to
  19. Hi i recently received a letter from Provident stating unless i paid them an outstanding amount of £25 within 14 days then they would hand the debt to a debt collection agency, register me with the credit rating agency & that court action may be taken. I was expecting this letter as i refused to pay my agent anymore,since December. The reason for this is that my agent asked for my payment book in November 2012, as she said that she needed to refer to it. When she eventualy reluctantly returned my payment book there had been some alterations to my payments, goi
  20. A colleague received one of Parking Eye's charge letters - he overstayed by some 20 minutes in a free car park which serves a supermarket and several other shops (they just didn't finish their shopping in time) . I gave him the letter suggested on CAG particularly asking how the charge was calculated - affixed is their explanation ! Unless I'm missing something - I cannot understand how staying longer in a car park that is free anyway - has cost the landowner any money ?????
  21. Been on ESA for 1-2 years and went for medical and still havent heard anything and medical was about 2 months ago. just wanted to know if u passed medical what type of confirmation do u get off them ?
  22. been on ESA for 1-2 years now and went for a medical havent heard anything back for about 2month. got a phone call last week saying if i had anything more to add to the info i gave in medical and said i will get it 4-5 days later, got a dwp letter saying money will be changed in december tax year **** lol so pls help will i get something through or do u think that letter is me still on it
  23. Please bare with me, this could be a long explanation before the questions come in. (this has also been asked on another forum, however the more opinions I recieve, the better my decision will be. If this is in breach of forum rules, I understand but, can't hurt to ask in more then one place). (Skip to bold for questions.) I have just been on a YouTube 'bender' (was going to bed at 11pm to midnight yesterday, now 13:35pm lol) culminating in my discovering a wealth of information regarding Council Tax, Debt Collectors and Debt in general and found some very useful inf
  24. We are often asked why we discourage the giving of private advice off-forum There are many regulars here who are a great asset to the Caggers on this forum. These people are highly regarded and it is great that they are prepared to spend so much of their time helping others. This forum is run in a way so that everyone’s experiences are published. This means that the forum material is available to everyone – and everyone should understand that there are a huge number of people who read the threads without contributing and without even registering. We have about a million
  25. I have a question that maybe someone could help me with. My father died just over 4 years ago and he left a will but I never got sight of it. My brother is the executor of the will and when I asked him what the will contained he told me not to worry about it. My mother is still alive and her will, will mirror my fathers. I rang up the Solictors who hold my fathers will and asked them if I could obtain a copy of his will and was told that he wrote a letter to the effect that I was not to see it and only my mother and my brother were to have sight of it. I was hurt by this and still am. I
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