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  1. I have a large amount of debts which I have been trying to tackle for a number of years. I am currently in an IVA with Payplan which is failing as I am currently employed in a private company who only pay SSP when you are off sick. Prior to arranging this IVA I informed Payplan that I have medical conditions which are a left clavicle joint injury which means I have a screw in my shoulder to hold my clavicle bone in place to my collarbone. I also have Sacroiliac joint injury on my right side which causes me pain and immobility especially when I am under stress, cold and exert myself
  2. Morning all, What is the best broadband provider for the Harrow area? Thanks.
  3. Hello all. I appreciate that this is the wrong sub forum to ask this so hoping to be moved to the appropriate one? My question is what device would you all recommend to record phone calls to such lovely people as banks, etc?
  4. what is the best pre paid credit card/debit card you can buy for online shopping for amounts less than £200 so to keep your finances in order and a limit on your online shopping? something you can buy from a newsagent without all the falaffle of appying online, whats good/bad?
  5. Hi all, I'll soon be moving home into a new 3 bedroom place 4 miles away. Anyway, I want to get everything set up in advance so that I can look for the good deals. I've been having a look online and checking out what quotes I can get for gas & electricity, but the range seems to be pretty huge. If anyone has any good suggestions, let me know please! Cheers, OhhEnnEmm.
  6. Having just inherited an iPhone 5, I am feeling my way around it and (sort of) starting to get used to it. But, unlike Android based cellphones, the iPhone (even the later models, I am led to believe) will not, as standard, record a conversation. So third-party Apps and/or workarounds are de rigueur and widely used by those of us with such a need. Unfortunately, I am: A) Skint B) An Apple OS novice:oops: Has anyone else had this issue? Has anyone reconciled it? We wonders. Aye, we wonders.
  7. We had a second charge against our home of aapx. £24k about 10 years ago. we have been paying £30 per month since then. So the current balance will be around £20k. My family want to help me remove this charge. Can someone please give me any advice on how to best approach this. A sample letter to write to the debtor maybe asking for a discount to settle and release the charge. Thank you. GH
  8. My son was billed by Harlands for a cancelled DD and an admin fee. I did not want to get into copious amounts of correspondence with them over the issue, so I advised him to pay the £39 claimed. I then issued a Moneyclaim online summons to Harlands for the £39 plus the court fee. They did not bother to defend and a judgement was entered against them. A final letter to them advising that if they did not pay the judgement within 14 days a bailiff would be appointed at a further cost of £77 plus bailiffs fee. Within 48 hours they had paid in full. If ever I have a dispute with a
  9. Hi, I am in the process of trying to source a mortgage however the fact that I have historic defaults on my credit files from telecom companies is causing me problems. These are all with Lowell and range from 4 years to 5 years old. What's the best way of dealing with this to ultimately get the defaults removed off my credit file within the next 3 months due to wanting to take advantage of a "right to buy" offer we have. Obviously I am NOT saying that I don't want to pay these however if its best to go down the "final settlement" route as long as the default is
  10. How to fight / complain about a council Norwich city council / Norfolk county council (both names on letters) that you believe are idiots and or committing fraud Actually in credit (£35) with rent account and council tax as we pay shortfall ourselves... but I'm a carer for 1 of 2 of my autistic daughters and my missus works for fixed salary with no chance of overtime ever.. so you'd think h/b and c/t benefit would be fixed. Not a chance when missus worked 5 days a week we got around £10 per week h/b, now same job but 3 days only, as original job holder has come back from maternity.
  11. Hi all not been on here for many years but i hope im asking in the right forum, if not please move Ive got a DMP had it for several years slowly steadily paying my debts off . The thing is my dad owns a few houses and to offset any inheritance tax he's thinking of putting a house in my name, now if he does and i sell the house ill have x amount in my bank and if my creditors see it they will want or even might want their share. I want to put the money into a project that will earn more money which means i can pay my creditors off when it suits me Now my quest
  12. Hi, I am currently representing my daughter on the McKenzie friend basis in her claim for unfair dismissal on the grounds of discrimination ( pregancy ) We have followed all the procedures through ACAS and we are currently taking her employer through the Employment Tribunal, which has taking about seven months to get to a Trial which has been listed for next week 4/5th February 2016, this was after a previous hearing. Today i receive a letter from the Tribunal stating that the trial might be postponed on the grounds that despite knowing for a number of months that in any event, the
  13. My first contribution to this site. I owe the Co-operative Bank money on a credit card and had problems with repayments. They were being quite unpleasant about it (I had asked for a 'breathing space') in one week claimed to have passed my debt onto a collection agency and then said they were taking me to court. I wrote to the CEO Niall Booker and he sorted things out and I received an apology and a cheque for £75. its worth going straight to the top. I also discovered that Phil Burrows who I received a lot of post from doesn't actually work there anym
  14. Hi all I need some advice, I want to pay off all my debts. Background :- I have around 5 debts One is statute barred so I wont worry about that one Two others I am paying off weekly or monthly but will take about 8 years with what I am paying Two the judge ruled I had to pay but I have not paid anything for 2 years and not been chased for payment either. One of them includes a charging order on my house. Can I get this removed if they settle for an offer? My circumstances will be different in around 6 weeks time when a large sum of money will be available to me.
  15. I will be travelling to France next week,and am looking for a sim card for use in France to call and text back to the U.K. I have looked at several deals but none are suitable.Ideally,I am looking for around 1,000 international minutes and around 200 text messages.I hav elooked at 02,vodaphone,3,I.D(who I currently have a contract with), but none give a good deal for the prices they are charging.Lyca mobile have some amazing offers,but after reading some reviews,I am not so sure.........Is there anyone on here who has been to Europe, and used a sim for contacting the U.K.?.If so, who was the b
  16. Hello I have various outstanding PDL loans that I've been ignoring and need advice on the best way to sort them out. I want to begin repairing my credit file ASAP. Wageday. Default £286 Not paid since Nov 15 Lending Stream. Default £507 Not paid since Sept 15 Uncle Buck Default £307 Not paid since Oct 15 Instant Cash Loans t/a Payday UK Late Payment £608 Not paid since Jun 16 I also show two settled accounts: Pixie Loans LTD and Mr Lender - both of these accounts I've received letters chasing the debts from CRS and SLL Capital. What does this mean? These two compan
  17. Hi I have several defaults for various amounts totalling approx. £5000. For whatever reason I didn't pay my bills for several months and am now in a position to begin tackling this mess. I can probably pay off all of the debt in around nine months settling several smaller accounts within three months. Lots of the debts have been sold on to various debt collection agencies. They're offering me various discounts to write off part of the debt which I am open to for obvious reasons. However I am also keen to begin the process of rebuilding my credit rating ASAP and am wo
  18. hi all Thanks to the great advice ive received on here, ive done some CCA requests and it seems out of my £21k debts around half cant take me to court as they dont have an original copy of my agreement. My debts were managed by payplan (they have been a complete disaster btw) but now i am writing to my creditors to ask them if i can pay the money directly to them instead of via payplan. As far as i know, payplan will only pay ALL my creditors, they wont just pay the ones with a CCA agreement for example. So taty means they are no use to me anymore and i should
  19. This Bank has given me no letters to say that I am overdrawn and ive had no defaults at all. I have only had good experiences with them on my basic account. bankers4me
  20. Now that i have a shiny new smart phone i need a home accounting APP. Free is possible. Personal recommendations are always the best Any recommendations as i am not that Tech Savvy so a dummies guide program will be ideal. Many thanks
  21. im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits"
  22. Hello I have been victim of constructive dismissal in past and been on lot of short term work - obviously trying to get permanent work I went to one place within two months offered perm role Obviously since then work been zero hour contracts - not been by choice - was told on phone by someone - you've not been in jobs long have you, seemed a bit rude - how is best way to handle next time - I said it's been lot of project based work and I would have stayed in roles if given opportunity.
  23. The Credit Today Awards 2016 was held two days ago and the Best Vulnerable Customer Strategy Award was given to Marston Group. The Credit Today Awards is the largest awards ceremony in the industry. Marston Group received the award for a range of vulnerability initiatives established throughout its business, in support of customers that are potentially in need.
  24. Hi Guys I've been granted a default judgment against a large well known house builder company for just under £5k. They initially filed an acknowledgement of service to defend the claim but failed to respond after I sent the particulars of claim. I took the next step to request payment immediately but would like some advice about the best way to enforce this judgment if they fail to make the payment. Can they still apply to have judgment set aside at this stage? If so, what happens next? Your help would be appreciated as I'm unfamiliar with these matters.
  25. Acting on behalf of my mother, she like many others on here seem to have been caught with the Stemologica/Beutemer [problem]s going around. Just need some advice on how to best proceed. My mum in mid Nov saw a internet advert for free tesco vouchers £100 if she took up the free trial of this product. She insists that at no time was she made aware that she binding herself into any contract with them or that the she would if she didnt cancel and return the free products within 14 days. She has had two debits come out of her account before xmas.
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