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  1. My mother of 82 took out a Policy with yourrepair in July this year She had swapped from a previous cover as it was getting a bit to expensive for her. She saw yourrepair online and read the reviews and all seemed good so She chose top cover as it was still cheaper than previous care cover. Now she has happily been paying for a good few month with no problems. The boiler has now incurred a problem. It keeps cutting out leaving her without heating and hot water intermittently. She made a claim online as there doesn’t seem to be a telephone number. She was told an engine
  2. Hello i require help advice with a housing related issue i was domestically abused by the tenancy holder kn the property we cohabited for over 10 years (21/22 in total) i requested to take over the tenancy after the safeguardimg team got involved for which I have a crime ref number i contacted the housing assc to explain i am agoraphobic unable to leave due to ill health and was beimg domestically abused by rhe tenamcy holder (my father) who had to leave due to safeguarding issue thos was 8th sep 17 i have since made several requests to pay rent and be granted a tenancy he
  3. I have watched this programme and depending on when they filmed each series certainly the one prior to the latest, maybe even this series will have been filmed after a change in law http://www.landlordlawblog.co.uk/2015/11/17/new-nightmares-for-landlords-using-high-court-sheriffs-to-evict-tenants/ Nicholas v Secretary of State for Defence, High Court, Chancery Division, August 24, 2015 Which they now have to give advanced notice about HCEO's being instructed to carry out evictions CH5 conveniently appears to have omitted this fact Also the methods some of DCBL s
  4. My Dad is in a care home and I just cant afford the top up fee's any more. The situation is this, my mum looked after my dad after he had a stroke, but in November of 2015 Mum became too ill and had to go into hospital, I was not able to meet for my dads needs so their social worker found a local care home and thats where he went - willingly because he knew it was right, sadly my Mum died on December 27th 2015. My mum told me to pay any bills etc using their money, I had to agree to pay a weekly £40 top up fee to the care home and this was being paid by Dad from his own savings [not
  5. Hi all and thanks for the help in advance. I returned back to the UK 3 or 4 months ago after travelling. I was on a working holiday in Australia for 1 and a half years, then travelling Asia (not working at all) for another year. After returning my Dad fell ill and is disabled. Therefore he began claiming PiP etc. He needs help and I have been caring for him. I made a new claim for carers allowance over 8 weeks ago. (still waiting for an answer) I have just attempted to make a claim for universal credit and after answering a question about being in the country for the
  6. Hello all I get ESA CB Support group and recently posted my ESA50 reassesment. I am worried that if I am asked to attend or even if I manage to get a F2F at my home and due to my Bowel issues I am unable to attend or even if its at my house and I am stuck in the bathroom and I am unable to answer the door and he or she leaves. Now what happens then? I know they will send me a letter and asks me for good reason I did not attend, but then what if the same thing happens again if they make a new appointment? and again? Will they eventually end my ESA claim? and then would I have t
  7. I am so angry that FoS have listened to what Natiowide have said about timescales and i cannot claim !! There must be a way to do so, as i NEVER need any form of PPI. the reply from FOS was : i feel the below i totally unfair as u did not know i had ppi on the card until i found an old statement last year. also nationwide did not tell me of any time-scales-limits , i feel they have used dirty tricks. there must be a way for me to make a claim as i am disgusted they have basically said "tough" Dear Mr xxxxxxx Thank you for your email dated 10 February 2016. I
  8. Can someone please offer me some advice on ths matter please, i have some registered defaults on my credit file from credit card companies for the last 3 years, i am in a dmp with payplan with who i make a token payment to all companies as i am unemployed. I have written to all card companies asking for my cca, some have replied that they cannot find any paperwork and that the account is unenforcable, and others have said they cannot find the cca and will suspend payment to the account until the cca is found. 1, what is the position on this, do i carry on paying them or
  9. I have been a customer of Vodafone for many many years now, last year I decided to move my Vodafone contract number from contract when it came to the end of the contract to Vodafone PAYG, a simple task I thought, oh no, people could phone me and txt me but I couldn't reply, all I could do was use the data allowance, many times I contacted Vodafone and each time I was assured it would be fixed within 24 hours, it never was, so I decided to stop going around in circles and take out a new monthly contract as I had better luck with that. So here I am now with a PAYG that receives but cannot s
  10. Sadly we lost our dad on 21st sept 2015, naturally all of the direct debits and standing orders got cancelled, now looking through dads bank statements, we noticed that he had been paying £15 per week into a savings account by standing order, lloyds bank say they are unable to tell were the payment was going to as the standing order had been cancelled. now we know there is an account but have no idea were and lloyds say they cant tell us any help or advice on this would be great . thanks Lets
  11. I proved that BG had overbilled for six years and I believe the documentation establishes proof that they accpeted this. When finally pushed in a corner, they refunded one year of overbilling ayaing that they were not required to go back more than one year. Can this be correct? Eam
  12. On Tuesday this week on C5 is a new special that the title states looks to be worthwhile watching. This will be worth watching as it appears the crew from Cant pay we'll take it away will feature in this as well. This is a small series so stick on in your diary to watch... Tuesday @ 21:00
  13. Hi Guys, I could do with a bit of advice after an illness and arranging payment with various companies my credit report took a kicking as expected however I have now caught up with all but 2 HSBC and Cabot I still have an arrangement to pay. I must add that these 2 where defaulted on some time ago, whilst shall we say discussing payment arrangements. The issue I have is that even though I am paying that theses 2 accounts and have been for over 14 months they are still showing as defaults and are killing my credit score I have contacted Cabo
  14. Hello again, Yet again something absolutely stupid has happened to me. My car has been stolen, but it couldn't be that simple. I have a red Alfa Romeo, SORN and uninsured, I took the engine out of it an transplanted it in my car, and took a few other bits and bats so it was just a rolling shell full of junk (became our skip as we knew we were getting rid). We towed it to the local scrap yard this morning (on an A frame which wasn't really legal). When we got to the gates, we realised we had forgot the V5. So unhooked the car, drove home and got it. When we got back to the s
  15. ex2103

    cant go on

    There is no justice in this world. My ex was lending money off me for nappies when I met her. I brought her 2 babies up as my own as well as my two that we had. I loved all four of my kids. We split and she went to csa. I approached her and said why go to csa i dont mind paying you for all 4 children, she said ok pay for all 4 (2 were not mine, biologically), for clothes, food, and half towards any school trips. I agreed and never missed a payment, that was 2007. I recently (2015) received a letter from csa saying that I have to pay
  16. Parked in a residents only space, the other side of the road was P+D lots of spaces. Bought ticket £3 thinking all was good. got PCN, wrote to council before notice was served pointing out it was obviously a mistake and I didn't intend to flout parking regulations knowingly as there we plenty of places to park and I wouldn't of bought the £3 ticket. They have replied saying no go I have to pay. On the ticket itself where the offence is printed with codes etc it crosses the generic type on the ticket so it cant be read, does this make it invalid in any way?
  17. I just wished Lowell Financial Customer Relations a Happy New Year in my first email to them in 2015.... Sadly no money for them this month. After their Virus email they sent around, that money has gone on replacing the hard drive of the sandboxed machine I opened it on haha
  18. Hi everyone, I have a LLoyds bank Premier account. I get charged £25 for the account, £6 for an overdraft useage fee and interest on the money that is overdrawn. We pay around £51 per month, the balance doesnt change and hasnt changed since 02/10/2009! we are just treading water, we have a constant balance of £-2090 and cant see a way of paying it off as we cant afford to pay anymore. We have asked to change to a different account before to help us reduce the balance but were told that until we get it down to £500 they cant do anything for us. C
  19. Can anyone please advise. I have defaulted on a 'grant of time to pay' and have now received a notice of enforcement from (dated 02/09/2014) a firm of HCEO's I defaulted because I had to pay a family loan for money I had borrowed for legal help during the trial, but the court don't recognize family loans as priority debt. This is now paid and I can start to pay the order. We have a baby due in a matter of weeks and now the bailiffs are threatening The debt is for £2880, to stop them acting I have arranged to pay £800 tomorrow and they then gave me 6 weeks to pay
  20. hi i recived a letter from mortimer clarke solicitors say i owe them £750 i cant make a payment online, cant pay over the phone and as i dont half a cheque book would i be able to send a postal order to pay?
  21. Due to my wife being forced out of her job because of bullying & me having to quit my job due to a stress related breakdown I am down to my last month being able to pay loan back. I've got a debt with HSBC for £10000approx. I have the HSBC advance account, is this insured against loss of job?
  22. Hi all, I will try to keep this as brief but informative as possible, after suffering a nervous breakdown some 16 years ago (work related) I moved back to my home town along with my husband, the intention was to help my recovery. I was granted benefits for both myself and husband...I was on incapacity and claimed for him. After many years of various treatments and medications my mental health is wobbly at best. I am still in and out of counselling, I need my husband for support on a daily basis (as any one with mental health problems will understand) amongst all of the medication and
  23. a family member is very ill in hospital and is sedated and unable to respond, but there partner needs to gain access to bank account as they need money for general things, they are married and they have been in with a hospital letter headed document to say about this family member being ill, but bank have now stopped everything on account and there partner has nothing to help them with money. Ive been in with them with marriage certificate and hospital document but still they refuse, I'm at a loss as to what to do any help please
  24. No money? No excuses! Following people on the sharp end of bad debt – and those whose job it is to get the money back. http://www.channel5.com/shows/cant-pay-well-take-it-away Channel 5 - April 8th - 9.00 pm
  25. So I had an email from Experian earlier tonight (I have their Credit Expert thingie), and I have just found out that I have a CCJ against me from the start of December, which must have been issued to my old address... So, let me explain. I have a total of around £27k of debts, £25k from old credit cards (Egg/Barclaycard and Co-operative Bank), 1K taxman and 1K lloyds "overdraft" (Who i continue to bank with as a current account only). The cards are all from around 3-4 years ago. All in my name, all caused by My Ex. - However I do realise i am liable for these debts. Anyhow, When
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