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  1. Hi, Apologies if this is in the wrong forum but wasn't sure where to post. Recently I attended Minevention - an event advertised as a convention for Minecraft lovers. Unfortunately we left after 15 mins due to there literally being nothing in the arena. It was a big event with about 4000 people showing up and there were some "popular" youtubers there. This was the only thing there really, plus a merchandise stall (which had counterfeit goods) and a sponsor stall and about 20 computers to play minecraft on. I think really it was missold - many people said if they had sta
  2. Hi, I had a van through Moneybarn which they repossessed in Aug 16 and sold it at a loss and now are wanting £6403 out of me. What options have I got to get them to play ball nicely? I know they had what I borrowed back plus about 2.5k in payments etc in my mind they had the initial loan back. There is a big fat default on my credit file that I would like sorted as trying to get car finance is an issue currently. thanks
  3. This happened on June 19th, I was caught abusing a loophole in the self checkout where I scanned cheaper items to put in heavier, more expensive items down. I had being doing this for a while quite often, but didn't take anything of high value, just food on my lunch breaks. When I was caught, they said they were on to me for the past couple months. I had visited the Tesco only 2 to 3 times a week and at odd times during lunch (could be from 12pm to 2pm) and not everytime I did this, sometimes paying for a bag of crisps, etc. The thing is, the security guard didn't even pull me i
  4. Hello. I am just about to edit a Subject Access Request to a company for my friend who has had a relatively long running dispute over the amount they charged him for work they did. Other than requesting copies of any and all letters between them and any internal memos or emails that he is mentioned in, is there anything else that you would recommend I include? Thank you.
  5. Hi guys, I actually had a very quick reply from the FOS. Less than a month after I made a complaint I had the answer - not the one I wanted but the service was quick, professional and the guy was extremely easy to deal with. My complaint was re MBNA. I took out a credit card in 2006 - fell into arrears in 2009 - finally came to an agreement with them in 2010. I maintained the arrangement to pay and then they sold the debt to IDEM in 2012. Due to serious illness, I couldn't keep payments up with IDEM and now pay them 15 per month. Arrears are 9144 on 10
  6. Hello, I used the Post Office self-service machines to post a parcel and my receipt only printed correctly on one side. So I don't have a correct receipt and most importantly the tracking number is not printed correctly. I have spoken to staff in the Post Office about this the next day but they have stated that they are unable to help and I sent a email to them but they have said there is nothing they can do to help. Is there anything I can do in this situation? Thanks.
  7. Hi all, due to a massive cock up by myself I have missed a claimform deadline and judgement has been issued according to MCOL, this was because I went on holiday and was too late when I got back, yesterday....completely my own fault! Is there anything I can do?
  8. Hi Guys, This is my 1st Post so not sure what the rules etc are. I am 25 years old and had unfortunately fallen into the trap of gambling however I have recently (2months back) started GA. The good news is that I have not had a gamble since starting the programme however the bad news is the large amount of debt it has left me in. Whilst gambling I was applying for payday loan after payday loan desperately trying to find the funds to continue with gambling. I was allowed to get payday loans easily to feed my addiction. At one point I believe I had 7 payday loans from different co
  9. Hi, I'm hoping someone here will be able to help. I'm at my wits end. On Wednesday last week the police turned up at my house and arrested me on suspicion of fraud. (A complaint made by my sister and about which I was interviewed on Saturday - I've done nothing wrong and hopefully that is what the result will be) On Thursday morning my Housing Benefit was paid into my account and I was able to use my account. By Thursday afternoon the money had vanished. I couldn't get hold of my bank immediately so I transferred my savings (only £100) into the account - assuming it was just an error
  10. Priyadr11: did you pay£150? Did they ever come to your address to collect the money? The same thing happen to me yesterday. i said sorry and they made me sign in a paper and let me go. Could you tell me what can I expect? I really don't want to let anyone know about this because I live in a extended family. .I'm really broken ..couldn't eat or sleep ever sinc ..can anyone suggest me what I'm going to do ..I'm regretting very badly.. ..��I feel like my life is just going to stop now...
  11. Hi, I am reaching out to you as I'm absolutely exhausted with the WCA saga and I would be grateful for any help, advice, guidance, support. I'll try and keep this short... Main medical conditions: - Postural Tachycardia Syndrome - its a rare conditions, but an accurate description of symptoms is listed here: potsuk dot org/symptoms (please note: to diagnose POTS the heart rate has to increase by 30bpm after 10 minutes of standing, upon test mine increased from 65 to 140, so its obviously a more aggressive form of POTS). - Ehlers-Danlos syndrome & Hypermobility (symptoms: ehl
  12. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  13. Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed They used to charge you when there was no money in the bank. My money used to go in Friday afternoon, and they always tried to take it in the morning. They also used to take it out before bank holiday etc they charged me for that, and they also charged me for every letter they have sent. Any idea what the
  14. Hi, Firstly thanks for all the help and advice in the past, I have donated previously to help keep this fantastic resource continue it's good work. As the title says I was caught on speed camera on the M25 a few months back, I immediatly pleaded guilty as I knew on that day I was over the speed limit ( I am shocked by the amount though). You will read from my letter below why I was speeding, as I say in the letter it is no defence and completely agree it was wrong, it was the first time in years I had forgot my son's vital medicine, two large mistake's in a day
  15. Just wondering if any of you could tell me where we stand with this one. My elderly father has terminal cancer and wanted to move 250 miles to be closer to us, we initially tried to get him into a nursing home but found this difficult due to the homes needing to assess him first. The only option we had was to sign a tenancy agreement (in our name due to him being 250 miles away) with my father as the named tenant. As expected he was unable to care for himself and within 4 weeks we were able to move him into a nursing home. The tenancy was an assured shorthold taken out from the
  16. Hi, I've recently had a debt relief order granted. However I have seen that creditors get 30 days to appeal the order, but they can only do it under certain grounds. What I'm worried about is one particularly spiteful ex landlord trying to pursue matters further. Is there anything at all that they can do now that I have a DRO in place? For example, can they drag me into court with an "order to obtain information"? Or am I completely protected from any court proceedings related to this debt? I don't think there will be a problem, but just wanted to do
  17. Hi My gf has some debts, and she is thinking of trying the same thing. One of the debts has put a ccj in place on the house value, and the creditor is listed as solicitor so anything we can do there? i thought id ask just to be sure thanks
  18. Can you remember Christmas Day as a child.-Your presents. What memories do you have of this day.
  19. Dear all, I desperately need advise ... here is my situation (long text as i am writing a complete recollection of what happened): On Saturday 24 October 2015 i received a letter through the box from Collection and Compliance Titled "Further Steps notice" In essence it says that since i have failed to make payments as directed following steps will be taken ... a few lines of VERY scary stuff. After that they give me 10 days to pay 800 pounds or the scary stuff will start to happen. Now this comes as a complete shock i had NO idea what this is about. On Monday i called them
  20. Planning on going to France for a few days. I've had a quick look on the Virgin Media website in regards to charges when using my phone abroad. Do I need to actually do anything? IE, do I need to inform Virgin that I'm going abroad?
  21. Hi Last year we were in mortgage arrears and were told we would be taken to court, they were after a possession order. Stupidly I didn't get legal advice due to cost and my local CAB being unavailable pretty much all the time. The Mortgage company said if I arranged an amount per month with them in additional to my payments they would just get a suspended possession order and I needn't attend court (bad advice it seems but I was naive). so they got their suspended order and we started paying it, but then had some work difficulties and went through a period of not being able to pay
  22. Hello. My Mum lived all her life with her sister who bought their house under the right to buy scheme. Sadly, my aunt died prematurely last November leaving no will and an outstanding balance on the mortgage of 70k. House is worth about 120 approx. The mortgage company are Amber Homeloans and are notoriously dreadful. They have merely sent letters saying she has 12 months to sell. In the meantime she is paying the interest only. My Mum is sole executor and has been granted letters of administration. Under intestancy rules she is only entitled to a 6th of the estate as there are 6 sib
  23. I live in a council house and have a secured tenancy. I'm a single parent with one child, the other 2 have left home. When my youngest is 18 can I have her put on my tenancy agreement, in case anything ever happened to me, she wouldn't be homeless? or is that illegal?
  24. Hi all, I just have a question. My father is 73, retired, owns his own home and is a widower. He has a reasonable pension but would he be entitled to a council tax rebate as it is only himself and my younger unemployed brother that live in the family home? Any information would be greatly appreciated.
  25. I am a adult learner studying at college for 15 and a half hours a week. Due to this I am unable to claim benefits as my course is classified as full-time. I do not have a part-time job and have been relying on my son and dad for assistance since September. However I am now in serious rent arrears and have had a Notice of Seeking Possession and have been informed that I can claim housing benefit and council tax reduction as a student however they will have to assess the benefit on my son's full-time income as I do not have any. I have tried to get hardship grants from college however I have b
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