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  1. Hi, I (and my wife) applied for the 30 hours free childcare through the gov.uk website last year. I have been renewing/reconfirming the application details on the website every 3 months, as required. Last reconfirmation was in mid-January, but a couple of days ago, the HMRC have written to me saying the following: "Unfortunately, our checks have shown that you're no longer eligible for 30 hours free childcare for xxxxx because: • from the evidence we hold we have decided that you didn't have a reasonable expectation of your partner earning at least é ú1555.72 (no idea what the s
  2. Hello Last year, me and my girlfriend joined an X4L gym on a monthly contract basis. We paid the first month on the spot when joining (28th Oct) and shortly after had a bad experience. I went online and saw how bad this place is and we decided to cancel. I wrote down all the things I had to do and when, hoping to avoid this. I sent the cancellation request on 9th Nov online as instructed, saved the 'receipt' and also have the confirmation email that came through a few days later. I allowed the final payment to come out on the 27th Nov and then cancelled the DD on the 28th Nov. T
  3. Hi, My wife attended a company meeting at the Grand Harbour Hotel, Southampton back in May of this year. Her company booked a package that included complimentary parking and a member of the hotel staff was tasked with collecting VRN's from the attendees. Unfortunately, my wife (and another lady) were somehow missed out and, as a result, she received a PCN from Parkingeye. We have appealed to Parkingeye and through POPLA, but to no avail. We have also ignored their 'gesture of goodwill' offer for us to pay £60 instead of £100. The hotel has stated, by emails on two separate occasio
  4. Hi all. Hoping someone can advise me correctly. Embarrassing but about six months ago i fell into a bit of a downward spiral and gambled quite a bit so asked Santander to cancel my card so i couldnt gamble online. Up until recently i had no issues but last week i logged back in and the merchant in question accepted a payment off my old card which i believed was cancelled. I spoke to Santander who said they reissued the card and didnt cancel it and couldnt cancel payments to the online bookmaker either. Im not looking for any refunds etc but cannot quite grasp how the mercha
  5. Hi guys, Been helping out yet another friend with some advice and as its some time since I advised on here regulary I thought i would get up to speed. My mate took out a Conditional Sale Agreement for a car with one of the subprime car finance companies. He made his first 3 payments of approx £260 Being self employed sometimes money doesn't come in quick enough and he was late with his next payment. They sent him a default notice The arrears consisted of 1 month instalment £48 of charges stated as administration costs He paid the 1 month arrears (but
  6. Cutting a very long story short. Applying for ESA first time in January two letters were enclosed with the ESA50 form requesting a home visit and recording for a ESA F2F assessment. Received Maximus letter for ESA f2f assessment at beginning of April at one of their medical centres. Rang Maximus and told them there was no letter from them to give the reasons why a home visit was not granted. Was told by Maximus the DWP Decision Maker has disallowed the home visit. Rang DWP and told them Maximus said the DM has refused a home visit and and asked the reasons why. W
  7. Hi, Having aggravation with a second hand car purchase (in another thread). Feeling a bit of financial pressure. Need to get to Stansted Airport so I thought I'd give a One-way for a £1 rental a go. No luck here either it seems. Booked and paid for a £1 one-way rental from Europcar. Online booking was a bit slow but seemed to go ok. Got a confirmation back and all looked fine. 48hrs before I'm due to pick up I get 2 emails saying don't forget to prepare for your rental and please remember your driving licence etc. 3p.m. today, (19hrs before) scheduled pick-up I get a call f
  8. hello everyone i have been reading your answers and help to other members i really need your help. I moved from Amsterdam to UK I did not have bank account here my friend started paying my DD of 9.99 per month from March 2018 I started gymicon with him now in june some how he missed the DD. he received a call and letter stating that you missed a DD you need to pay 25 pounds plus your monthly fee for X4Less. he cancel the direct debiticon I only went to gym for a month because now I was little far from gym I was paying my friend to pay the
  9. Hi, The offical receiver has told me that he intends to cancel my DRO (3 weeks before it was due to finish) as I now have over £1000 in the bank due to a back payment of Universal Credit. I have received this money because the DWP declared me unfit for work and work related activity following a work capacity assessment. I was very surprised he did this as many benefit sites and advisors said that this would not happen because I had received this money due to my medical condition. (Crohn's Disease) I am in a full Universal Credit area and I have heard that this money wou
  10. My transatlantic flight form USA back to UK was cancelled by airline 4 hrs after the flight was due to depart . I was not put on another flight for 48 hrs. Can I claim from both the airline and on the insurance which i took out or am i only permitted to claim from one or the other. Thanks
  11. Hey Guys, See if you guys can assist me. I have been working Flexible Working since 2015 as I look after a disabled wife and a child. Recently during a meeting with my manager, my manager informed me that he wants to cancel my flexible working and wants to increase my working days from 3 (under flexible working) to 5 days a week. I was given 2 weeks notice and given a date when this change will be applicatble. I objected to this decision, but the manager simply announced his decision and ended the meeting and said no further discussions. I received his decision in writing w
  12. Hi all, I had a judgement registered against me which i paid in full within 28days. I have spoken to the court and they have confirmed it is showing as cancelled however the lady said that it can take time to filter down to credit reference agencies, does anyone know what sort of length of time this may be as it is having a significant impact on my score and i need to get a letting agency check done. Is there anything i can do to speed up process??
  13. Hi everyone. We've had a motor trade policy for 5 years now. 10 days before renewal this year, the insurer flagged up 4 vehicles we've had for a while, and wanted proof of ownership and V5s. I neglected to send these when requested. Over the next few days, they started sending me emails regarding renewal, and that the policy will auto renew. The policy autorenewed, but I know they always want proof of trading (ie. recent invoices) and driving licences. I could see emails coming through, that we had X days to send these documents. In all this, I understood that the deadline for the d
  14. On the 1st March I gave notice to my old broadband provider (Virgin) and signed up with Vodafone. The agreement for this service included the transfer of my phone number from Virgin to them. My service allegedly went active on the 13th march, but my broadband wasn't working until the 21st March. Whilst on the phone to them (my old cable line with virgin) I asked when the number would be transferred across, and was told it hadn't even been requested. I was rather ****ed off by this, but they assured me it was being done there and then. about 10 days later and still nothing,
  15. My first foray into independent travel with my new powerchair didn't end that well! Outward flight was spot on, all promised help was provided, cheerful assistance staff at both airports and a seamless journey from end to end. Return flight was cancelled with no notice. I have had conflicting reports as to why including weather (at the destination, not the departure airport), earlier delays due to weather at the destination meaning the aircraft was not in the right place and earlier delays due to bad weather in Ireland causing a knock-on effect on other flights. At the time my
  16. I was on income based ESA in the support group. I just got a letter today, 29 Mar 2018, dated 23 Mar 2018 that my ESA will be cancelled from 27 Mar 2018. Reason: You have not paid or been credited with enough National Insurance Contributions. We have based the tax years ending 5 April 2011 and 5 April 2012 to assess your claim. What confused me is that I was claiming JSA all through those tax years. I thought JSA credited NI payments? Also, in the same letter it says: We will still credit you with National Insurance contributions while claiming Employment and Support
  17. After his retweet of Britain First videos and attack on the PM and British values [sent to the wrong Theresa May], there are increasing calls for him not to come here. https://www.theguardian.com/us-news/2017/nov/30/evil-racist-how-the-uk-reacted-to-trumps-theresa-may-twitter-attack https://www.theguardian.com/commentisfree/2017/nov/30/britain-demand-apology-trump-cancel-state-visit-theresa-may
  18. Hi, I've been reading through some of the previous threads with similar issues. I would appreciate some help with my particular problem if anyone can give me advice? I joined Fitspace gym on 29/06/2015 and the membership was 12.99 per month. In around January of 2016 I finally sought help with my debt problems and eventually got a DMP with stepchange. My bank overdraft was one of the debts included in this so my account was closed and the direct debit to Fitspace was cancelled. In June of 2016 I received a text message from Zinc saying I needed to contact them w
  19. Hi, hope you can help. On the 10th October 2017 I took out car insurance with GA and paid in full. They asked me to send them proof of no claims bonus, so I called them to establish I would email them a copy of the letter sent to me by my previous insurer stating how many no claims bonus I had and that’s exactly what I then did. On Wednesday 15th November 2017 I received an email saying my car insurance has been cancelled due to them not receiving my proof of no claims bonus. I was put into quite a predicament because under duress I then had to buy some more car insurance. Do insurance compani
  20. Sorry if this is long winded, will try to get all info here on 1st attempt 5 x creditors total outstanding approx. 46K Barclays loan with Cabot – debt purchased by Cabot Barclays overdraft with Barclays Recovery – debt still with Barclays Store card with Cabot – this one is clear, see below Mint card with Westcot – not sure if bought or just being collected Barclaycard with Mercers – not sure if bought or just being collected Store card with Lowell – not sure if bought or just being collected All were in default but now expired (2016) on credit report,
  21. We have had numerous issues with a caravan purchased from a dealership in less than a year we have had approximately 44 issues with the caravan with several issues being serious. Four of the issues resulted in the front and rear panels being repaired and then replaced. The advice I got from a lawyer was as follows; Although I appreciate you approached XXX Caravans to supply you the caravan, as you took out a hire purchase agreement with Black Horse, they are the retailer of the caravan. T herefore any rights you have under consumer law are to be exercised against B
  22. Hi there, First time posting, but in doing a bit of research before I delved into discussing a letter I received from Harlands, there seemed to be a lot of valuable information on this forum, so hoping someone can help with my specific situation. On 31st March I took out a gym membership with Xercise4Less on a monthly rolling contract with the following information in an email confirmation from that date: "You are committing to a single £20.00 admin fee payment and £19.99 per month for a minimum of 1 months. After this minimum term your membership payments will continue on a mon
  23. Hi This is from earlier this year but after seeing a lot of press around refunds I thought it was worth pursuing. My daughter had booked a flight with Flybe from our local airport Newquay to Gatwick to connect with a Malaysian airlines flight back to Australia. I dropped her off and she checked in. Her connecting flight was 1.35pm, so plenty of time to connect with the flight. The flight was meant to take off at 7.25am, but took off at 8.35am. It landed in Exeter as Gatwick airport was shut down due to fog. They sat around for 2 hours until they informed them that they had cancelle
  24. I received three separate private parking tickets through the post. (£60 paid within 14 days, £100 within 28 days, £110 paid after 28 days for each ticket.) I appealed to POPLA on the basis that this was a recent change in conditions at the site where previously; parking time was based on from getting a ticket to getting back in the car, and new conditions were from point of entry to the car park to point of entry by ANPR and that the recorded excess times were only 28 seconds, 6minutes 56 seconds and 2minutes 12 seconds respectively. I got three separate cancellation notices all sta
  25. Hello everyone. Back in June, I received a PCN from Indigo via ZZPS for allegedly parking without payment. In fact I paid but the machine did not register; I appealed and subsequenctly received a cancellation notice from Indigo. I have now received another notice from ZZPS claiming the penalty is unpaid and current balance is £170, and stating they will continue to persue the debt. Should I ignore this and just let them do what they want to do until it gets to court, get involved in correspondence with them, or what? I am inclined to send them a copy of t
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