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About Me


Found 14 results

  1. Hello, I was completing a credit check after being refused to get a specific type of finance and to my horror I found out I had been issued a CCJ on the 2/10/18. After ringing Northampton they informed me that the CCJ was issued over a parking ticket issued on the 30/01/17 by JD parking. correspondence to do with this had been sent to a previous address, and even when I was living at this address at the time of the alleged incident I never received any letters about receiving a parking ticket. Now the location that this occurred was at my friends flat where he has a parking
  2. Hi, i used to work for a company and when I left i was deducted £750 for "training", this was stated in the contract. I tried to fight it at that time, as I was not given any specific training other than by other members of staff. I should of taken it further at that point but due to health issues I was not in the right place to fight it. Today I was sent a link by someone pointing out that the same company has now lost a tribunal for exactly the same reasons and the company was forced to repay the with held money. the data with in the tribunal is widely available on the inter
  3. Hi everyone! we bought an Audi A6 auto in September 2016 with a known gearbox problem. We found a gearbox on eBay (rare gbox code), and had it sent to us and fitted by our mechanic. It wasn't right and was leaking, the supplier took it back, repaired it, and sent it back out to us. It still wasn't right. Eventually the supplier said to send him the car (To Essex, we're in Birmingham) and he'd fix it free of charge. By this point we had paid him £1000 for the gearbox. He then said the ECU was a problem and to send him £350 to have the ECU repaired. He has
  4. Hello everyone, We bought an xbox for the children in December 2014 which we're having problems with - it keeps switching off randomly. I would imagine the warranty was 12 months, so it's expired. This 'turning off' issue seems commonplace - is there any chance I'll be able to do anything under the Sale of Goods Act with Argos? I've tried with Microsoft, but after 40 minutes online chat we're barely beyond 'hi'... I'm still trying now! Any ideas?
  5. Hello, Been following your forum on Wonga loans and wondering if any had any advice? My PDLs started back in 2011 and I have been reliant on them ever since. I have only used 1 lender wonga, during the years taken out over 50 loans. Only occasional during the years having a few months when not applied. A lot of loans taken were straight after repaying a previous, otherwise I couldn't of survived the month. ..and a few times were I couldn't afford to repay on time I rolled them over. I was surprised everytime I was acceptes as unfor
  6. Hi, I have recently checked my credit file and I have got 3 defaults. One from Active securities Ltd for £270, date of default April 2013. Another one from Think Finance for £305 in April 2013 and another one from NatWest for £913 default date December 2013. A few years ago I had gambling problems (thankfully I got help and I no longer gamble) which led to me taking out payday loans. I paid some off but the first 2 defaults must be for 2 payday loans I never paid. The NatWest default was from a basic cash account I had with no overdraft feature,
  7. Hi there. Finished work today and found that when I walked back to my car I had been given a ticket. The place I had parked on had double yellows but I am wondering if there are any grounds for an appeal. The lines were only added about a week or two ago, it isnt like a proper street and looks more of a car park, before these lines it was used as a car park essentially. This is the location on google maps. 52.4119603,-1.5061521 I am posting the information on the ticket as well and am wondering if anything seems incorrect to anyone on here as this is my first ticket ever.
  8. Hi, I was hoping to find a little advice on what to do with my defaulted accounts. I have 4 defaulted accounts that were passed to debt collection agencies after I lost my job and buried my head in the sand. I have been paying a token amount to the agencies to stop the letter. The defaults are as follows: Bank Account: £1083 - Defaulted 21/06/2013 Bank Account: £1399 - Defaulted 27/06/2014 Phone Contract: £420 - Defaulted 05/03/2013 Student Credit Card: £415 - Defaulted 27/08/2013 Total Amount: £3316 Experian Credit score: 502 - Very poor Re
  9. Let us imagine.I hear many things. In my day,when you bought a house you did it up over time and that was that. Looked for a cheap house perhaps a little run down and bought it. Then spent many years saving a little and spending on your home. But i hear whispers,ok cannot be proved and i have not the time to delve to deep. Many landlords may have contacts and when a cheap house comes up puff,it is bought as quick as that. The first time buyers have no chance.Does this happen,perhaps you can tell me. I am not in a big town but i spoke to one landlord who had one hundred p
  10. A report by Citizen Advice found that people were tempted into free trials for slimming pills or similar health supplements, often by online pop-up adverts or across social media sites featuring celebrity endorsements. People thought they were simply giving their debit or credit card details to pay for the £5 postage and packing. But, if they’d read the extremely long small print, they would have discovered that they had signed up to a monthly subscription for these products unless they cancelled within a set period of time. What can you do to about it? Always rea
  11. Hello everyone, I will be leaving the UK soon to move to Australia and set up a new life with my partner. I have debt on credit cards and loans with a few different banks. With circumstances over the next couple of years probably won't be in a position to pay them back. As I need to move to Australia soon I was just going to move and then when I was in a position to pay them back personally and financially in a couple of years get in contact with the banks then. My question is, is it better to: 1) Just disappear and not tell the banks I have moved to
  12. Hello everyone, and thanks in advance for any advice. I work in an organisation (ok, the NHS), at a large general hospital. Over the last 5 years, we have been merged with 2 other, similar sized hospitals, each 30-40 miles from us. This has produced 1 very large organisation to replace the three previous bodies. We are in the process of standardising pay, structure and conditions across the board. This has led to the creation of 3 new junior management jobs in each of the three areas, in my specialism. I work as a supervisor, so these new jobs would be the natural next step for me to
  13. Hello all, just wondering about something. Last week I had an accident which caused my arm to have a deep cut. I was taken to my local hospital who at first told me it just needed stitches. Shortly after they said I had cut tendons and needed to travel to this hospital in another town to have it operated on. They gave me a 9am time slot, didnt bother asking how I was due to get there. My only method of transport is train. I found out after that the hospital is 2 hours on train and an hours walk from train station... First train of the day is 6am. No chance of getting there. I phoned
  14. Hi Everyone, I have answered the “questions for new posters” below and added a bit more info regarding my specific case. If anyone has had a similar experience and is willing to provide some feedback or advice I would truly appreciate it. Thanks • Whether the tenancy was granted verbally or in writing - It was a verbal agreement • If it was granted in writing, state the date on which the tenancy began, and the length of the initial term if any. - it was not in writing but tenancy began on 1st of October 2011 • State the amount of the original rent and how often the rent
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