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  1. Apologies if this is the wrong area. I'm having difficulties with my mobile phone provider. I was on one of the major operators and have moved to another provider because they told me they piggyback onto that provider so the service would be the same and can save me some money as a new customer. The problem is its really shoddy and now the company I've moved to wont let me out of the agreement without paying up until the end of the agreement. Every time I complain about the service and say its not as good as it was when I was with the main provider they come up with the new
  2. Hi all - Hoping to get some help here with what to claim from Lloyds Bank. In a nutshell, I have been paying service charges as a Standing Order for via Lloyds, for £88.96 per month. This was set up since 2010. According to the beneficiary, my SO's were being made but not hitting my service charges account because payment reference was removed - that's what the beneficiary use to allocate the SC monies. It was found to have been going through but placed in beneficiary's suspense account on investigation. However, according to Lloyds, I cancelled my original SO, set up a new
  3. Not sure where to post this so will try here. I was expecting a time sensitive document to be sent to me by the 28th of this month and it still hasnt arrived. The company sending it claimed it was printed and posted 1st class on the 29th and therfore they had complied with the requirements to issue document. Now, can I use the GDPR to ask for a copy of the metadata for this document to see if it was indeed sent out in time ( should show date doc created and then printed) as this solely relates to that document and can identify the document as being my data when it is processed so not
  4. Hi all, My OD was cut by half recently, which will cause me some hardship, on top of which I also lost my job. I have a meeting coming up in branch to discuss, are there any do's/don'ts so I can hopefully increase my chances of getting my OD back to comfortable levels? Thanks, JB
  5. hello I had an interview with a health care professional ( HCP) When I arrived the HCP said he had 'not' read my questionnaire form This bothered me inside because i was hoping the HCP would be up to date with my condition and i could then just reaffirm what i had said in the form and add a bit here and there. On one of my first questions he asked me, i decided to elaborate a bit, to inform the HCP that my condition varies due to my depression and sleeping issues.. .but he interrupted and said "i only want short answers such as yes or no." I had no proper
  6. I am at my wits end - any and all advice would be greatly appreciated. In my youth I was an idiot (25 now) I got into the trap of credit card then more then loans to cover the cards then loans to cover the loans. I have between 13-15K of debt across multiple cards and loan companies. I was barely keeping my head above water and then I was forced to resign due to my mental health and subsequent breakdown. I am prescribed meds - see doctors weekly - under psychiatric care etc. I am claiming ESA (first benefit in my life) however my debts are approx £850 month
  7. I recently fell behind with some rent payments, which I'm now paying back. My Landlord issued a claim for possession through the courts and the hearing date is in April, however, today I received a form 6a from the Landlord and I'm really confused! Does this go hand in hand with the Court hearing? It appears tactics have changed. How do I stand with a 6a as it states 'no fault possession. The Court claim says it's due to rent arrears. Please could anyone shed some light on it for me?
  8. Hi, I have a disciplinary meeting coming up for not abiding to a particular policy. However I have witnessed many people (in the presence of managers etc) do the same. There has been no meetings to say they will be cracking down etc Basically my employer and I had a disagreement over one thing, suddenly I'm being investigated for a couple of things, and straight to a disciplinary for others. So I wondered if I can ask for my disciplinary meeting how many other staff have been disciplined for the same reasons? Would that be appropriate? It does feel like they are looking for thi
  9. I have written complaint to my local council that I haven't received few letters from them including one with PIN to 'Council Online' and other decision including some of my data and informations that if missed could bring further negative consequences. In response I have received letter through encrypted [?] means [egress]. It says that I should contact RoyalMail and chase why letters are not getting to me. Am I right that it is Council that is in the contract with RM and it's their job to find out what is going on and they trying to fob me off? What do you reckon I shou
  10. Hi all Unfortunately, last sunday I had my first ever car accident and I accept that it was my fault. My car sustained some damage on the front i.e. bonnet, bumper and atleast a headlight. I have claimed on my policy. The insurance company have arranged their car repair partners to pick up the car for repairs. I wonder if I can get advice for following questions please?. 1. How do I know if the insurance company will repair the car or write it off? 2. If the insurance company decides to repair the car, do I have the right to ask for the cash in lieu settlement? I would p
  11. Hi looking for a bit of advice but not sure if this is the right place. Long story short is i paid of my daughters loan of 7.5k the loan company now want to know where the money came from and are refusing to update the loan as paid on her credit file and will not close her account. She told them i paid it off but they want details of where i got the money from, now i can show them but why should i Thanks for any advice
  12. 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
  13. Hi all, back in June 2015 i was a passenger in a vehicle that was hit from behind whilst waiting to exit the motorway. A couple of days later i was contacted solicitors firm. I naively thought they had beed directed by Hastings insurance (the drivers insurance company) to act on my behalf for a potential injury claim as they had my details including mobile number. They arranged for someone to come to my house to complete the paperwork for the claim. This was a no win no fee basis .They arrived and all seemed legitimate (as for as i could tell as i had not been involved in an acc
  14. 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
  15. Thanks in advance for any expert help. I received a letter from a company called IRCAS apparently acting on behalf of London Overground demanding £105 penalty fare that I don't have any clue about. I have contacted them and emailed to IRCAS (Independent Transport Associations Company) as advised by one of the staffs when I rang them. I told them that this must be an act of fraud and informed that I have reported this to action fraud. Then I had a follow-up email from them asking confirmation of my DOB, proof of my signature with copy of my driving license or passport or debit card's
  16. I took out a package with Virgin Media, that started on the 25th April 2014, for 18 months, that included Broadband, TV, Phone. It included an introductory offer, that has now expired and the package now costs me circa £70 p/m. I've grown sick of the poor TV and don't want to continue. I was therefore intending to either ask them to stop the TV service at the end of October when the 18 months is up, or leave completely. However, I received a letter from Virgin stating they are increasing my TV package by £3 per month, from the 1st September, because of a new channel they are including (BT
  17. Hi, I need some advice. I have a credit card with Capital One which has reached its limit due to my card being stolen by someone in my family and used to make various online purchases which took me to my card limit of about £1500 - I did not find out about this until too late and I cannot possibly press charges against the thief as he is a family member. I agreed with Capital One that the best way around this would be to accept the charges and pay them myself, coming to a civil agreement with the man in question as a criminal charge would be completely fruitless as he is
  18. Hello A PDL company issued a claim against me on MCOL in early March. I acknowledged service, and admitted part of the claim,and put in a defence for the rest (the biggest part), within the time limit, and put in financial details to ask for time to pay. (I am on a DMP which the PDL wouldn't accept) I've tried to log back in today to see if anything is happening, but there is no longer a link to the claim, and if I put the Claim Number and password in the boxes, it just comes up with the message "claim number or password is incorrect" Is this normal at this stage of the proces
  19. Hi I had an interview for a job today that I only heard about last Sunday, before then I had already accepted a job offer to start next Monday 1 December. After going for the interview today they didn't indicate either way if they wanted me or not but just suggested I delay the other job start date to give them more time to consider things. Should I just tell them no or is there a chance I could also use this to get the other company I was due to start with to up my salary or benefits? FYI these are both entry level jobs paying just over 20k so I'm not a senior exec 2 companies are desperately
  20. Hi I am wondering if anyone knows if the photo taken when I received a speeding fine will still be available to me after I have paid the fine and received the points? It was a police van parked on the side of the road, so not sure if it will just be of the car showing the reg or it will also show the driver. I know this sounds strange but someone at work is now saying I was not driving and just covering for someone else at work. I would like to prove it was me.
  21. In a bid to protect customers from fraud, the UK’s big banks have published a list of things they will never ask you to do. Sadly the list does not include “to repay your mortgage” or “to come into a branch for a ‘review’ of your needs”, but with luck it will save some from falling victim to the assorted phishing, s-fraudsters-seven-million-pounds"]vishing (phishing by phone) and -lose-money-bank-cards"]courier (sending someone round to collect your card) [problem]s which seem to be permanently doing the rounds. These all involve conmen pretending to be from your bank or building society
  22. Hi, I have a problem with my left foot which is being investigated by my Doctor, I have to have x-rays to establish if I have a Fracture or another problem. My doctor has not signed me off work and I have told my employer that I can drive or walk fine, however my employer has decided that I am sick and unable to work until I can prove otherwise. They have told me I'm to stay off sick but this is something which I really cannot do as I don't get sick pay and have a family to support. Where do I stand with this? Can they determine I'm unfit for work even though I've seen a Doctor a
  23. on reduced hours from job and now unable to pay loan back in full arrangement made with them for reduce payment with interest stopped. all done nicely . have today rung them to imform them that my employment has now ended and that payments will need to be £50 per month until back in work. they said will send out i & e form to fill in i said ok i will fill it in with zero's as i will have no income they have agreed to put a hold on the account for 38 days BUT i must provide my P45 :lol::lol:
  24. Hi all, Can i please ask if anyone can help me and support would be nice after a difficult few years I was on esa support after been on ib for many years. I went to jail for 12 weeks and on release i apply again. Now to try and make this easy as i am not good at writing. My hb was on ib but now went on to esa work group. He gets 112 pounds a week and i get 50p a week but its paid every 12 weeks! We have one child and get tax c for him. I put in for esa in july 13 and after many calls to the dwp they say thats all i can get. Well i went to
  25. Hello, guys, I really need you help. I received a letter from LCS saying that I’m responsible for a bill payment at my previous address. The bill comes from EDF Energy and the period of the bill starts from 2007 to 2011 .However, I only stayed in that address for 2 months with other six people, and I never have an account with EDF Energy. Then I sent the copy of my tenancy agreement to LCS to prove my stay as they required. After that I received an e-mail saying they have sent my agreement over to EDF in order for the account to be amended to the dates I were residi
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