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  1. Please Help and give some advice I have over £7,000£ negative balance on my Paypal account - I can only say its my fault and I have to blame only myself but i want to pay off everything as soon as I can I had a call today from Paypal asking to pay this otherwise they will pass it to Debt collection, they gave me 7 days from today to pay as much as I can but what after ?? Did someone had simillar expeience ? What happenes after 7 days ? I asked to give me 8 weeks to pay it off but she didnt want to lissen Please advise, looks like they dont want any aggrements, I have to add t
  2. Hi - I've recently received three letters from Lowell headed 'Pre Legal Assessment' that goes on to say they are deciding whether to pass my account(s) to their legal team. Has anyone seen these before and should I do anything? I wasn't sure if I should send the Prove it letter or CCA request. They are for CCs and a store card. I have moved since the debts defaulted and they are around 5 years old. I have a scan of the letter with personal info obfuscated if anyone would like to take a look to make sure? I know the legislation for LBAs changed recently, so wasn't sure if t
  3. They used to be Blemain, now are 'Together'. I am always behind with my mortgage. I am on a very low self employed income and it is erratic. So always end up having to pay three or four months arrears when they threaten me with an eviction. They have an court order due to persistent late payments. My circumstances have changed since I lived at the house...my gf who is also on the Deeds split up. She pays the mortgage, I pay the second mortgage with Together which is about £500 a month. I can never do one of those things with income and outgoings because is so erratic and I dont eve
  4. Had this sent to me by my disability advisor.... http://surveys.parkinsons.org.uk/s/bigbenefitssurvey/
  5. Why take any dispute to the Ombudsman , is it worth the trouble? For the 3 time of trying to post this reply but worth reading:- Rights of Entry (Gas and Electricity Boards) Act 1954, The Gas Safety (Rights of Entry) Regulations 1996 In a genuine dispute there are no rights of entry(i.e magistrates warrant issued), however I would also caution health and safety matters if its a gas leak. if electricity meter dispute The Electricity Act 1989, The Utilities Act 2000 Note schedule 7 of 1989 act and schedule 5 of 2000 Act, an electric meter cannot
  6. I am a new member and seeking for help and hope I will get a help and guidance to sort out TAX Credit rejection. I am a single mother of 2 children. In Feb 2015 my husband and I went thru separation due to our every other day arguments which was going on for past 3 years and eventually he moved out in Feb 2015 and left me no money to pay for the bills. While I was with him he used to get child tax credits and help from local council towards the house rent as he was on low wages and I was just a house wife. At time of separation my daughter was 13 yrs and son 6 yr old. Onc
  7. Hi All, Firstly, apologies if something like this has already been discussed. I have seen similar posts but I think my predicament is slightly different...it's a long story but I hope that some of you will take the time to read it and have some advice for me... So, some years ago, in my clearly very naive and gullible early 20s, I met my ex husband. We got married in 2010 when I was 23, less so because we thought it was the best thing to do, more so for 'financial reasons'. About 6 months before we got married, my ex had started to have some money problems and I noticed some un
  8. As most here will know, I registered with UJ ages ago but found it utter rubbish so stopped using it. They can't mandate you to use any specific job-search site and there are far better ones I use. Got this email today from our wonderful friends at DWP.. 'Our records show that this email address (shown above) is currently registered against an active Universal Jobmatch account. It’s been a year since you accessed the account and used it to search for jobs. If you would like to keep this account please take a moment to log in. If you do nothing the account will be disabled within 4 wee
  9. Hi all, I had no idea that with my Barclays account I had PPi. Barclays contacted me a few years ago and i got the odd thing in the post from them, it always referred to the fact that 'IF' i had ppi, tbh i really didn't think i did. The most recent form they sent me was so long! With so many questions I could not possibly remember the answers. This company contacted me and said they could see if they could do it for me and that they would do all the hard work, but then they sent me exactly the same questions, I called them and explained this is why i signed w
  10. Seriously boiling mad - I have had RAC breakdown insurance for last 4 yrs . On auto renewal direct debit . Just discovered after checking my bank online they have taken out £113 ( Last years renewal was £85 ) with no letter sent to state new premium - straight on phone to wait 20 minutes for call center . I have used their service about twice in 4yrs . Demanded a full refund for the absolute cheek of them , got offered a check in the post . ( Firstly in was a £16 refund ) Now waiting for their Complaints section to contact me for a direct transfer as i
  11. http://www.lbc.co.uk/eon-posts-7bn-loss-with-uk-profits-flat-126493 E.ON Posts €7bn Loss With UK Profits Flat Wednesday, 9th March 2016 09:09 The parent company of 'big six' energy firm E.ON says annual losses more than doubled to ?7bn (£5.4bn) in 2015 - with UK profits flat despite supply business earnings falling 9% to £267 The German company blamed an ?8.8bn writedown in the value of its loss-making power generation assets for the group's net loss and said that the spin-off of its oil and gas-fired power activities from its renewable energy division, completed in Janua
  12. Thank you to all at bridgehouse mansfield who today helped with the passing of a loved one got us in without an appointment had someone with him constantly put him on oxygen to help him breathe Thank you for how kind all your staff were simba/aslan ???? - adopted 2005 - feb 2016
  13. Hi all, Here is the response from DCA from a complaint I made to them. In the letter i received from them they say that this is their "Final Response" to the complaint. And that the documents sent to me satisfy their legal obligations under the CCA 1974 etc. I have removed all personal information from it and the big white patch you can see over where a "signature" was -who knows impossible to tell due to the quality - looks like a big white sticker with some sort of bar code on it. Date on application form 1997. The t and c's are the wrong shape and size to have fitted anywhere
  14. Are you ready for Wallace and Gromit's Big Bake? Wallace and Gromit need you to roll out your rolling pins, whip out your whisks and preheat your ovens to help them raise some dough for kids in hospitals and hospices from 7-13 December. The BIG Bake proudly supported by Homepride Flour, aims to get people of all ages baking to raise money for sick children in hospitals and hospices across the UK. Whether you bake cupcakes or cheesecakes, pies or pastries, brownies or bloomers, or your own unique showstopper, rise to the occasion and get registered to support this cr
  15. Hi guys. Ok so I'm going to try my best to explain it all date by date below. I had some debt issues awhile ago and was put on an IVA with Payplan. November 2008, I started the IVA with PayPlan November 2013, I completed the IVA and was given the completion certificate which I have here with me 10th September 2015, I was informed by AI scheme limited (by letter) that I may have a PPI claim 21st September 2015, I received letter from Barclaycard saying my claim was sucessful and that they has sent a cheque for £3601.61 to Payplan 25th September, I called Barclayca
  16. http://www.dailymail.co.uk/news/article-3081294/Britain-s-oldest-poppy-seller-dead-Avon-Gorge-aged-92.html This story of a 92 year old being hounded by charities, because she was kind with her money, should make people and charities think. 20 years ago, there were not so many charities around and people loyally gave to a few they had an interest in. In the last 10 years there has been an explosion in the number of charities and the amount of communications they produce. They have become businesses some of which may be more interested in making money for the people running them, th
  17. Im going to France on Friday last Monday i tried to buy euros online. i tried 4-5 different company's to get a good rate but i could not buy through any of them because i had recently moved house and didn't pass their identity checks. One of these company's has frozen over £1500 out of my bank account since Monday and my bank nationwide are doing nothing. i don't know which company has frozen the money as it only says on the statement travel money. i ended up going to the post office to get my euros, now am left skint until this money is retu
  18. My favourite musician of all times a real gentleman. Saw many of his concerts when he visited the UK. No1 Forum
  19. Hello, I am in a very difficult situation with Wandsworth council over council tax. This started back last year with when I moved into a shared property with some other people and for some reason the Council tax was put under my name and the name of someone else that didn't live here. The council never sent me a bill or any correspondence until I received a summons for none payment of council tax. At this point I emailed them and explained I live in a shared house with other people and I had not received any bill and the bill should not be in my sole name. I was then informed that
  20. Hello all, I came back from oz 9 months ago owing substantial debt , on unsecured loans and cc. I have decided the only option for me is to ignore the emails demanding payments. There is no way I can pay back the debts. What is likely to happen in the end? I know this is a pretty random&basic msg, but I want to try and kkkeep it fairly anonymous!
  21. Need some advice big time, I received a letter from the job centre earlier stating they will be taking money out of my ESA for child support, I have never herd off the CSA, my two daughters are 18 and nearly 20 although I haven't seen them for a few years through no fault of mine I used to regularly give my ex money for my children she'd never got the CSA involved and she's always worked so never got the CSA involved, naturally I thought she had got them involved this time as I have not spoke to her in a few years either, I phoned job centre plus they told me I need to speak to the CSA as it w
  22. Hi, First time post here. I have a problem which I am hoping forum members can offer their opinions and advice on please. I run a small business which has an office based phone system. Hackers somehow accessed our office phone system one night in January. They managed to remotely make hundreds of calls, one after the other, to a premium rate number in the Solomon Islands. Each time the call connected, it cost £50. The total cost of the fraudulent calls is £3,500. BT contacted us the following morning to say it looked like our system had been hacked, due to the unusual ov
  23. Can anyone help on this one? We haver taken over a small business (fitness centre) this is in a larger building (a rugby club house) and is leased from them. The rent in 2008 was £10000 pa. We have half the first floor for an office, changing rooms, reception area, studio and gym, total area 350 sqm. The other half of the first floor belongs to the rugby club and has an office, reception area, changing rooms and a bar/conference centre/kitchen, total area 350 sqm Both premises were valued by the VOA in April 2014. We are valued at £16250, the other half of the first floor is valued at £7000.
  24. I haven't been on here for some time - thought my debt problems were behind me but If anyone can offer some advice Id appreciate it. I will try and be concise, many years ago I was very much in debt. almost 50k. I was self employed and work was up and down, I robbed peter to pay Paul (many of you will understand this) the problem got worse until I decided to do something about it. I borrowed a substantial amount of money and set about contacting all of the creditors, All of whom were really born from Lloyds Bank - I negotiation settlements around 30-40 p
  25. Hi do not buy AA repair and cover warranty its a big [problem] the insurer is brc please be aware my car a 2005 Peugeot 407 broke down last Friday car was vibrating really bad as man came and said it was flywheel he towed me to local garage where they stripped gearbox they found that the flywheel dual mass had broken and seized so wasn't moving and not doing its job brc phoned and said it was not covered as its wear and tear now how can be that if its broken the flywheel has no wear on it they then sta
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