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About Me


  1. Hoping this is the correct forum so apologise if not. After a good two years being ill I managed to get a job starting last January at a local SEN school as a Teaching Assistant. Upon calling me with the news the Head told me not to get too excited as it was only until July. A few days after I started I was conversing with the HR Head about something else when I mentioned to her about this Fixed Term Contract. She told me that I was on a Permanent Contract so I assumed that the 6 months the Head was talking about was the 3 then 6 months probation. Got through 3 months fine but
  2. Hello. New to the forums and have been browsing the internet to find a decent support forum and ended up here. After being made redundant last year (I am a van driver) I fell ill with Vertigo which is extremely debilitating and although various tests have come back clear (MRI etc) the Doctors are unsure as to what the problem is although my consultant believes it is either Menieres Disease or Migraine Assisted Vertigo. The only test they can do to find out what the problem is is invasive and can by all accounts damage your hearing and being partially deaf anyway I am unwilling to tak
  3. Not sure if this is the correct forum so apologies if not but I was wondering what others would do/if anything, with regard to a complaint I made recently about a JCP Advisor. I have been on JSA now for over a year but have been suffering from a vertigo condition (saga is in another thread!!) so I am limited as to what jobs I can apply for. Those that I have applied for and there are over 300 of them, I have been unsuccessful. I had a pretty good advisor to be honest who appreciated my limitations but suddenly out of the blue I was moved to another advisor who was as far as I know n
  4. After a long absence from benefits I'll be starting a new claim for Universal Credit in the next few days. Just a brief history: I was on the old Work Programme with Ingeus for the full 2 years - towards the end I was placed on the ESA assessment phase having been on JSA only and didn't have to attend the office anymore... Shortly after I ended the claim to pursue a new opportunity and that's where I've been for over a year and a bit. Now having to go back to relying on benefits is a difficult thought and I have no idea what's changed. I have no clue if my local office is still ope
  5. Hi All I'm new to the forum and this is my first post. Today, I have decided to take action with 2 old Liverpool Victoria debts, one was a personal loan taken out in the end of 1999 or early 2000 for 10k over 5 years. This was defaulted on around 2002 and payment arrangements made with Liverpool Victoria, then sold to Capquest July 2009. I have been paying £12.00 per month by direct debit for years at least since before the debt was sold Capquest have been adding on large sums of interest and charges, my debt continues to grow. I believe that I read
  6. Hello. Newbies 1st post. July 2014 I went abroad for a year and a tenant was in my house for that period. I was up until then using Cooperative Energy for both gas & electricity. I was paying £130 every month. I gave final readings on changeover day. A year later, tenant moved out and I moved back in. Again I contacted Cooperative Energy to transfer it back to my name. I was amazed - and double checked - when they said it will be £72 per month for both. Wow I thought prices have dropped! 3 months later and 3 payments of £72 made I receive a letter saying I
  7. Hi, I'd appreciate any help/advice about my situation and what I should do next. I got into a lot of debt back in 2006. I have 10 debts ranging from £250 to £12k. Around £42k in total. When I got into this debt I panicked slightly and took out a debt management plan with a fee paying company, paying £310 a month, which includes a fee to them of approx £65. I have paid this payment faithfully for the last 10 years. The DMP company contacted me recently to raise their fees and it was at this point I realised why was I paying them £65 a month? I have now cancelled my deni
  8. Hi, Cabot/shoosmiths have sent me a small claims court summons .... original debt is an overdraft with BOS. £1468.49 What is the difference between written application to pay by instalments? and apply for a time order?
  9. I have two credit card debts, one of which is the subject of a CCJ some 9 years ago. I have been making payments in accordance with the CCJ and voluntary payments in respect of the other. Both defaults are over 6 years old and no longer appear on my credit reports. The DCA have offered to do a deal and accept less than is outstanding in full and final BUT if I agree does this deal appear on my credit report (as of the date of the full and final payment for a lesser figure) or, as the date of default is over 6 years ago, will my credit history be unaffected if I ch
  10. HI, I'm new to this site and after some advice please. Recently been refused credit so checked credit file. I have a CCJ from severn trent water -from 2014 (I knew about the CCJ and paid it with a week of receiving it - so according to the information I received because it was paid within 1 month it wouldn't show on my record. So roll forward 2 years - My credit record has this CCJ showing as unsettled from Sept 24th 2014, they have now sent me a letter I dated 11th Oct 2014, confirming my payment of the CCJ on 3rd Oct 2014. I have spoken to severn trent who s
  11. Hi all. A few years ago, I got myself into a mess with various payday loans and have spent the last couple of years paying them all off. Earlier this week I received an email from a company called "kapama credit" stating an account of mine had been passed onto them from Opos. The loan in question is from minicredit. A loan for £100 of which I only received £80. Due to being in the midst of my payday loan mess, this wasn't paid back.. As my head was firmly stuck in the sand, I did nothing. I was in touch with opos back in 2012 and at one point was offered the chance to pay a set
  12. Hi First of all, I apologies in advance with regards hash and tag and other advanced features like this because I am not sure. I would appreciate straightforward advice as I thought all this was behind me. Five years ago, I had severe money problems and defaulted on 7 credit cards. Two banks took me to court. Both messed up proceedings and I think I surprised the court by admitting I owe it I will pay it, even though the failure to implement correct procedures could have possibly gone in my favour. Both had Charging orders made against my house should I not pay. I had n
  13. Help appreciated from wiser heads on here than mine will ever be . . . At the beginning of last month, June 2015, a friend of mine purchased a 37-month-old Ford Focus 1.6 diesel from one of the Northeast branches of the Evans Halshaw group. He px'd his existing car and paid a cash difference of several £000s. The Focus being a month out of manufacturer's warranty wasn't particularly troubling as the car came with a full service history and Evans Halshaw's 3-month parts and labour guarantee. At completion of the transaction, my friend drove his newly acquired Focus the 60-odd
  14. Hi everyone. I'd really appreciate your input on this issue. My parents recently bought an 06 plate Vectra Estate for £4k from a local dealer. The car drove well on the test drive so a deposit was paid on the condition that some paintwork was sorted before picking the car up and it would be serviced and MOT'd. However, after driving the car home a week later, the gearbox has developed a pronounced whining noise. On investigation this appears to be a shortcoming of the M32 gearbox used in these and plenty of other cars. The car itself has only done 57,000 miles. We've now had our
  15. Hi everyone, This is my first post here, and I wondered if anyone could help. I have been in a DMP for about 4 years, after making a total mess of my finances with Payday Loans. I was reviewing the remaining creditor amounts this morning, and I wondered if I am being stupid by paying all the interest and charges that the Payday loan companies levied on my initial loan amount when I defaulted. It may be that I should suck it up – it was a mess of my own making after all. But I thought I would check what people with more knowledge than me thought.
  16. When hubby and I met almost 10 years ago I knew he came with a little baggage which was in the shape of some outstanding debt he had relating to a property he'd had repossessed. This included a £7k shortfall following the sale and an outstanding secured (against the house) loan with WFS (from memory he seems to think it was around £8k) We've had a few letters on and off over the time then a couple of CCJs during what was a very difficult time. I know an attachment of earning order was set up and he was paying direct from his wages for about a year during 2012/
  17. Can anyone help/advise me please? I have severe anxiety and depression and this sudden out of nowhere scenario is taking me to the edge. .. (I've had to increase my medication..) I won't waffle about my life story.. ., but it's a roller coaster one.. but I suppose aren't they all? I have received a claim form from northampton county court. The claimant is a DCA. I have till 21/10/14 to decide what to do (including the 5 days after issue date). Today is 19/10/14. The claim form seems real (blue with claim number top right and court symbol top
  18. Hi, My contract with TalkTalk ends in Feb 2015. Ive been advised that I can cancel before that it ends bygiving 30 days notice, and would cost me £46 but they told me I can NOT cancel in writing or email. It has to be by phone? Surely this CANT be right? Please help.
  19. Hello New to the forum but i have been trying to read up as much info as possible I'm just starting to get really confused. I have a CCJ claim form been issued 23/10 and i have acknowledged the claim online which will be processed today 7/11 and have disputed the claim. I believe the vast majority of the claim are charges and interest that Lloyds continued to apply to my account over a two year default period. My credit file shows the account defaulted 03/2009. The debt has been sold to Capquest who have used drydens solicitors to process the claim. I inte
  20. Hi everyone So i've had a letter to go to an Atos 1 on 1 assessment. This is the 1st i've asked to go to, even though my medical issue (anxiety) has been an issue for over 10 years. Just a few questions that i'd appreciate help with. 1. I've always sent in letters from my G.P when filling in forms, letters that a doctor writes to say i'm unfit for work, so how is it that i have to attend an Atos 1 on 1?. I see that they are supposed to be health care professionals, but not Dr's so are they undermining what a Dr says? 2. Atos's contract with the government is stopping. Is it be
  21. Had never heard of this company until today. Never had any run-ins with any debt companies at all. Today I received a letter from bpo on behalf of motormile finance stating that I owed almost £900 for an obviously unstated reason. The letter stated that both companies had been contacting me without reply ( untrue, had no prior communication with them until today) and threatened doorstep visits if I do not pay. I have never taken out a loan in my life......I owe no money to any kind of club or organisation...... They even got my gender wrong on the letter
  22. Hi All, I'm having a very hard time in getting a loan to purchase a car. I did have one previous loan for £1000, which I was to repay over 1 year. I ended up missing 4 payments on this due to going out of work, but immediately after finding work, I contacted the underwriters and agreed to pay extra each month so that the loan was paid back in full, on time. Which it was. I was ignorant to how much it would have a knock on effect to my credit score and now I'm badly stuck. I applied then for a second loan from my bank (Bank of Ireland), which was rejected. Tha
  23. Hello all I am looking into making a claim against HSBC for mis-selling insurance when I took out my mortgage but am unsure if I have a case or how to start. I took out a 100% mortgage with HSBC in July 2006. When I went in to sign the paperwork I was told that their insurance plan which would offer payment if I was sick or injured and life assurance were a compulsory part of the mortgage and I needed to sign up for this too. In November 2010 whilst talking to a colleague in work I was told that this was a waste of money as my employer provides a death in service grant which wo
  24. Some time ago the DWP were moving single mums who were sick onto incapacity benefit.The forms were sent and returned and I got a reply I had filled in the wrong form.Apparently they had changed the form due to new rules. Anyway whilst about to do this the advisor told me to hold on as the new change for my circumstances was that I would be classed as on incapacity but as a 'clerical case' I phone a few times over issues and there were problems re where my case was being handled but each time was confirmed technically on incapacity but income support would pay the money and dont wo
  25. Thanks for reading! Briefly: - I developed serious chronic incurable illness over last few years and got deep into unsecured debt on various cards - Barclaycard debt nearly into five figures - haven't used the card for years - got to stage where couldn't make payments - card originally taken out in year 2000 - MKDP taken over from Barclaycard - CCA request sent on 22/05/13 - MKDP reply 4/6/13 saying unable to comply but will be liaising with original creditor to request documentation - the claimed amount does appear on my credit file Questions: 1. Will Barclays
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