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  1. I'm doing the cardinal sin and posting this on behalf of a friend who doesn't have access to the Internet from home. My friend has had £200 stolen from their account by debit card and are currently on ESA/PIP due to serious medical issues and mental health conditions. My understanding is the transactions were taken by debit card. The Fraudster attempted a payment of £500 and then £400 and then £200 the formers were declined and the latter was accepted. The card in question has now been cancelled and it was reported as soon as they became aware. Barclays are insisting that an inv
  2. BT basic + broadband at £10 per month with no hidden extras as long as you are on a qualifying benefit it sounded a great option for me I have been long term unemployed and spend more than that each fortnight on PAYG to search for jobs. I read the website and it mentioned them sending a form out they would need back so I gave the free phone number a ring. So the first person I spoke to asked what benefit I was on, confirmed I was eligible and echoed basically what the website said and the forms would be in the post. 10 minuets after ending the call they rang back told me a date
  3. I'm going to be having a new roof on the house shortly, and I don't want to employ some one without having a clearly defined contract in place. But having never done anything like this before.. I have no idea where to begin. Are there any templates out there that I can download, and tweak to suit, and most importantly... it will need to be legally binding in case of any issues. If a contractor refuses to sign a contract... they won't be hired. Any decent and reputable company would have no qualms about having a contract in place.
  4. Hi Came across this recently. For those struggling to obtain a basic Bank account, there is another option supported by Payplan and a number of different organisations. This might be particularly useful for people who have been homeless or are still homeless and need to have an account for any benefits money to be paid into. https://www.thechangeaccount.com/community/
  5. So here's a brief rundown of my situation. I have a large loan with RBS, and was paying it off fine until about 8 months ago when I got into serious financial difficulty. RBS helped for a short time reducing my payments to just £1 per month for three months but of course still adding interest at £200 per month...which by the way they said they would not do but that's another story. My circumstances didn't improve and I have spent the last 5 months trying to reach an agreement with them. Eventually they agreed to accept a token payment of £1 per month and stop all interest and
  6. Hello, and thanks for reading this. I am in a strange situation of trying to open a bank account, even a basic one. At the moment I use a credit union and it works brilliantly. Unfortunately, they are restricted to a maximum of £20K. In a few months , I am due an inheritance and I need somewhere to put it. Both the Co-op and Barclays have refused, despite saying yes at first, and sending account details. Today they have rescinded their offer. Now there are some defaults on my credit file. Two are current from Anglia Water, which have a note of d
  7. Well another thread.Looking around saw a few articles on this idea and thought i would pop the idea on the forum. On this fine,sunny,crispy Monday morning in Spring to start the week off. Seems to be gathering momentum worldwide.Or the idea of. A bit rushed,maybe not that clear but a start that is all,i will find more articles as time goes on. But have a look around and have your say on what you think. Some say if companies were to invest massively in new machinery,many of our jobs could vanish. Saying the price of employing cheap labour is far cheaper than the modernising
  8. After waiting on the phone for 40 mins I have just been disconnected obviously as the lines close at 6pm Can someone please tell me the address of the DWP where I send my sick certificate regarding ESA please. Thank you
  9. Someone asked me this question and I could not answer. So as this idea grows I feel it is best to open a thread to discuss this important question. Where would the money come from. Would as Automation takes over and increased productivity happens from there somehow perhaps. Taxes. Companies, where do you think it would come from. It has to come from somewhere. Basic Income-A Great Idea Whose Time Is Coming. https://en.wikipedia.org/wiki/Basic_income
  10. Millions of people who have basic bank accounts may be paying higher fees than necessary.. Basic bank accounts are designed for people who do not already have a bank account and are ineligible for a standard current account .While eight million people have basic accounts, around half of them are still liable to pay fees for failed payments. Completely fee-free basic accounts have been available since January 2016, following an industry agreement. Vulnerable customers who have such accounts are not charged for failed payments, or for going overdrawn. The Treasury figur
  11. I tried to find this out but cannot find. Is there an explanation of the different member types? i.e. Basic, Classic etc If there is a sticky, would someone pls post the link ta
  12. Caroline Lucas created BASIC INCOME EDM 974. Jonathan Reynolds similarly supports basic income. John McDonnell said Labour are considering basic income. Basic income trials are set to take place in Canada, Finland, and Holland. The time is ripe for UK Parliament to debate EDM 974 BASIC INCOME. That this House notes the growing crisis of low pay and precarity in a labour market increasingly characterised by casualised forms of employment that offer little in the way of pay, predictable hours or long-term security; further notes the evident inability of our bureaucratically costly social se
  13. Hi All I had a under 18s account with Abbey in 2004 which was then upgraded to a basic account when I was 18 in 2006. I then stopped using the account around 2010. Recently I checked my credit file and noticed a default from Santander for £55. I called to enquire as I assumed these accounts were now dormant due to them not being used in so many years. I was told that they were defaulted in 23/3/2012 (I don't recall recieveing a notice of default) and that it was due to an unpaid DD on my basic account and another on the Under 18 account. Neither had credit or overdraft
  14. The UK Government has taken action to ensure remote homes and businesses can access its promised basic 2Mbps broadband service In a bid to deliver on previous guarantees it has made about affordable broadband access, the government will offer subsidised satellite dishes to some of the most remote areas. The scheme will be administered by local authorities. Homeowners and businesses within eligible areas will receive a voucher code to provide them with a free satellite dish and in some cases installation, as well as reduced 12 monthly subscription costs from partnering satellite
  15. Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged. So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced. Is this imposing excessive charges or treating customers unfairly??
  16. A friends son has been banking with Abbey all of his life. Nothing fancy, simple child saver account which eventually they changed to a basic bank account - without an overdraft facility. They make purchases overseas frequently in USD (dollars) and because of a delay in the transaction time / rate of exchange, are often hit by being a penny or so overdrawn. To date, I think the most was less than £2. The bank in it's infinite wisdom, basically just deduct £25 as they can extort from his account and leave it overdrawn, despite this not actually being allowed under their rules. Fr
  17. last week a post went up making me aware of a service BT provide called BT Basic package. It is a service they do not let known to the general public and readily available Thanks site team for making me aware of it and it suits me ideal. I contact BT and to begin with it was like pulling teeth, and I thought a debt collection agencies are economical with the truth. Any way all sorted and they said a letter will be going out today for me to sign and return to change package. This was last week. I have just phoned them and nothing has been done. T
  18. Some new posters may have some questions relating to Universal Credit (UC) here is a basic guide including many links to any questions you may have see here https://www.moneyadviceservice.org.uk/en/categories/universal-credit Within this link you can clink on further links and see what is what with UC. There are now many areas of the UK that have already transferred to UC and this is for those that have not. This guide will let you see what you will need to do now and also allow you to see what you can learn before this happens to you. If you have any questions
  19. Ministers will next week hail a "landmark" deal with Britain's nine biggest lenders to offer millions of consumers a new fee-free basic bank account. Sky News has learnt that the Treasury will announce on Monday that the banks will establish accounts which end charges - whcih can be as high as £35 per item
  20. A new fee-free template for basic UK bank accounts has been revealed by the Treasury after a deal with major banks. Basic accounts do not offer overdrafts or cheque books, and may be given to those with a chequered credit history. Some holders of these accounts have been hit by initial fees of £30 or more after a direct debit or standing order payment has bounced. The cost can then escalate if the fees are unpaid. Under the new terms agreed, these one-off fees will be scrapped. Economic Secretary to the Treasury Andrea Leadsom said the new accounts would give basic bank acc
  21. Hi Team, I bought Xperia Z2 in March 2014 which is when it came out. I have been a HTC user prior to that. Phone build quality and functions impressed me for first few weeks and then it started dropping calls. Being Techie, i have done factory restore, latest software update, Tried that SIM into different phone to provde its not SIM problem and etc. And finally it was a phone fault. Went to Vodafone shop with the problem as Intermiatan network dropping while call is going.. Vodafone Team logged this fault and sent it to Repair Centre which i think was their Repair Centre -
  22. Hi I wonder if anyone has any information about the legality of the above,. My son has a basic account which does not have an overdraft facility, and he has accumulated several charges for returned direct debits.(£15 a pop) My probably simplistic understanding of the Supreme Court ruling was that the bank charges were legitimate because they were a core or ancillary term and in effect a fee for consideration of an overdraft, of course this is not the case in a basic account, as an OD is not an option. If this is correct is there cause for an action for reclaiming these charges
  23. Hi, I'm new on here, but would greatly appreciate your help. On 17/01/2011 I was given a conditional discharge for 2 years and disqualification relating to animals. I was advised at the time that I could apply after 3 years if I wished to keep any animals. I have recently had a basic disclosure check for a new job and the conditional discharge is still showing on there, along with the disqualification relating to animals. My question is this, should the conditional discharge still show on a basic disclosure, 14 months after it had been spent? I have been working at my new job f
  24. Hello I would be extremely grateful for any help or advice for this problem below. The person in question cannot open a basic bank account. He has tried every bank and building society on the high st, in a possible radius and online. He has even tried the Barclays Cash Card and the Co-op Cash Minder. http://www.moneysavingexpert.com/banking/basic-bank-accounts Both Barclays and Co-op have said that as long as you have the required proof of address and ID, you'll be able to get a basic bank account. Went there, tried, no look at all. Still he cannot get a basic bank account
  25. I am being harassed by a DCA, Atdvantis, for an HMRC self-assessed penalty charge of £1200. It relates to failure to file SA two years ago - I have attempted several times to demonstrate to the HMRC that I wasn't liable as I owed no tax and therefore did not need to complete one, but they have ignored me. At this stage, they are just demanding repayment in full and offer no terms, it hasn't yet reached the county court stage. Couple of basic questions - just wondering if people here know the answers. * Is Advantis able to use any powers beyond the normal county court processes,
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