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  1. hi everyone, today i recieved a letter from the pension service informing me from the 15th may 2019 benefit rules are changing. in most circumstances this means that both members of a couple will need to have reached pension age to be eligible to make a new claim to pension credit or housing benefit. i am 66 this year and my wife is 61 so my wfe wont retire untill she reaches 66 in 5 years so does that meen if i decided to make a claim for housing benefit id get nothing untill me wife reaches 66? many thanks for any advice or help
  2. I signed up to O2 50GB tariff in September 2018 and decided to pay for the device up front to make the monthly payments cheaper (£22 per month instead of £29). Everything seemed fine for around four months until out of the blue I received an email notification from O2 claiming that a request for a tariff change had been made. No request had been made by us. At first I put it down to some sort of [problem] email and ignored it, but checking my account online later that day, it did show up as a change of tariff - with the new tariff of £29 per month for the same 50GB i was already receivin
  3. Just by way of a change on this forum I thought it would be fair to point out when a company gets it right. Put in a claim for delayed flights at around 11pm six days post journey and by mid afternoon the next day the airline came back saying they had investigated, the flight was delayed by 3 hours 12 minutes due to operational reasons, this was within their control and considered non-extraordinary circumstances under EU law and they would be paying £440.26 (£220.13 per person) into the bank account of the details you gave within the next 14 days. They've also agreed to an ex
  4. Hello all. Regarding there being no £10 fee for SARs, I want to send HSBC a SAR (because I know that I had loans with them that had PPI but they've previously said that they don't have records that go back that far), other than there being no fee, is there any change to SARs, please?
  5. Hello All , I have a an issue I was hoping you can advise me on ,I work in security and have been on same site for over 15 years and we have 6 security personnel and for the last 7 years I have been working nights. I am the night Supervisor and my shift pattern was 6 nights on and 3 nights off rolling roster and my opposite did 6 days on and 3 days off rolling roster , the other guards did a 3days/3nights and the 3 off. On March 2018 the building management changed and so did the security company and we got a "security manager" as well. The new building manager wanted a small change whic
  6. Hello, I am seeking a little advice as to my rights. Basically I would like to know if my job title and description etc should be a true representation of the position acknowledged to be held and job function performed. Me employment began back in November 2014 in certain position. Within a number of months I was transferred to a different department and position. This was done with no input from myself. There is a little bit of a back story here too. Since then, and several documented requests for my title and description to be reevaluated they remain
  7. Hi, I recently received a telephone call from First Utility. This was in respect of my present tariff which ends at the end of January 2019. I explained that I intended to look around in January for the best deal. When I check my Smart Meter several hours later, I found the meter had been electronically set to zero and had started charging me on new (and more expensive) tariff. I both telephoned and emailed (with photographs) of the new settings and complained. They said within 24 hours it would go back to my old Tariff. Several phoned calls later it is still on the new Tariff an
  8. Good day everyone! I would like some advice regarding changes with the redundancy payment as shown in the Staff Handbook. In the past, our Staff Handbook showed that in the case of redundancies, payment will be calculated on a months salary for each year of service. (Which I have retained a copy of) In the last few weeks, I have reviewed the staff handbook again and it now reads that redundancy payment will be calculated on the statuary minimum, being a weeks pay for every year of service. This has come to a surprise to me and a lot of the other staff I work with. We
  9. I'm looking for some wise advice from those more experienced than I with insurance and subsidence claims. Our house (circa 1890 semi-detached) is on a small slope and had some evidence of small "historical" movements when we bought it 20 years ago. Very little has changed since, and a structural engineer didn't mention subsidence in an inspection 4 years ago. However, it seems the neighbour's house has developed cracks near the party wall in the last few years, and they seem to suspect OUR house is to blame as we are further down the (small) incline. They say they have inspection reports
  10. Hi All, I have a mortgage with Santander. I have just received a letter saying that my payment will increase due to the increase in BOE rate. That's fine but it's just arrived today for the payment that's due tomorrow! I pay by Standing order and already paid this month. Don't they have to give a little bit more notice than that? the letter is only dated Sept 2018 (no actual date!) I know it's not a massive increase at the moment, but if it was the notice given wouldn't be enough. Is there some rule about this?
  11. I recently ended a relationship with my girlfriend of 4 years. When we broke up i let her borrow my car for a few months. Everything was fine during this time and i was getting to see my son. All of a sudden i was not allowed to see my son and my ex is refusing to return my car to me. I am currently going through the court process to gain access to my son. In regards to my car, i recently learned that the v5 of the car was tranaferred to my ex name. I made a complaint to the DVLA and i was told that i was sent a letter notifying me the change of name, but i did not receive thi
  12. Hi all, please has anyone got any advice or experience on my situation? I moved house a while ago. Sent off to DVLA to update license and V5 log book. Licence came back OK. I overlooked the fact the V5 never turned up, and tax was due in Jan. Realised the other week I have been driving for 6 months with no tax, as all reminders sent to old address. Immediately sorted the issue and paid DVLA for current tax and £80 fine. When phoning DVLA, they say I have 3 outstanding fines from DVLA for been identified driving without tax. First offence is just outside th
  13. Hello, Unfortunately I recently lost my job and will have to move back with family to weather the storm while I look for new employment. I plan to rent a PO box with a private company (the address will actually start with "SUITE N") to retain privacy in case things go wrong and I start missing payments. Will banks accept this new PO box address? Thanks for your help!
  14. Hi all, firstly I'm posting on behalf of my step son & GF, as they are unsure of how to respond to/progress with their currently situation. Background BF / GF living with GF's parents. GF becomes pregnant. Both 'kicked out' - asked to find alternative accommodation. Accepted as 'Homeless' by the Local Authority, and that they have a 'priority need'. Currently in emergency Council-owned accommodation (pretty decent actually) in the centre of town. GF doesn't drive, BF has small mbike only. BF employed locally. GF was in college locally before pregnancy but now not.
  15. I am currently living with my partner, which is likely to become a permanent arrangement in the near future. As of yet I have not updated any accounts/documents with my new address (incl driver licence/bank etc). I have a spare vehicle that is up for sale and have an interested party coming to view it tomorrow but have just realised the V5 is for my previous address. Will this be an issue? Thanks in advance
  16. Hi all, I'm sure it's nothing but I just wanted to check - My employer runs a salary sacrifice scheme for childcare vouchers and they have given me a form to complete which explains that 'This change will result in a change to your contract of employment'. This is normal, I take it?
  17. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type C
  18. Hello, I recently experienced a severe change in circumstances which meant I was removed from my residence in London and had to move over 55 miles away. In London, I'm tied into a 12 month contract with Parkwood Leisure. I emailed them, explaining my change in circumstances an that I was under severe financial strain and therefor couldn't afford to pay my membership - I provided them with proof of change of address etc. I also took the following steps: - tried to find someone to transfer it to - asked if they had a gym near my new address, so I could transfer i
  19. Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness
  20. Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness
  21. Hi everyone. I'm a new member on here. I came across the site when researching tenancy deposit schemes and I've read through several threads but can't seem to find and guidance in relation to my particular problem. Briefly, in September of last year I agreed to rent a property with a private landlord. I had a few concerns about the property but the landlord assured me they would be dealt with once I moved in. But I needed somewhere to live quickly and my mother paid the deposit. The rent was to be paid by housing benefit. There was mould throughout the property, there
  22. Last year I booked a transatlantic return flight from Madrid with Iberia, on behalf of a friend of mine who moved to Madrid years ago. It was an expensive flight to start with and the email from Iberia stated that date changes would incur a penalty of between US $195 and $325. She changed the return date and was told over the phone that she had to pay over $500 to change the date. She argued about it but was given some stock answer by the local Iberia office so she had to pay the amount using her card. This is clearly not in accordance with what was stated on their booking
  23. Hi, ive been reading a few forums and cant seem to find the answer to this question. I have an account on my CRA for Lowells marked as defaulted at an old address. Now my fear is they will try to obtain a CCJ at my old address at it is nearing the 6year mark since I have made any payments or had any contact with them. Is there anyway I can update my address with lowells with out resetting the 6 year clock? Thanks in advance Sorry should of mentioned this is for a Orange mobile account so as far as im aware I cant CCA them either
  24. Hi First time poster here so sorry if this is posted in the wrong place. I am urgently after some advice for myself and other work colleagues. We work for in a workshop which comes under a Logistics which has gone through certain changes over the last 6 months. We have all come out of a meeting as the changes are now being applied to us. We are being told our T&C's are being changed and we are being put onto flexible hours. This is due to it being quiet early in the month compared to the end. This will be done by "banking hours" for future use ie the end of
  25. Received a letter from a DCA acting on behalf of another DCA claiming that I owe an old credit card debt. Sent the prove it letter as I do not recall having this debt, they've taken best part of 6 weeks to come back to me with a letter that states they can prove the debt and have enclosed the signed credit agreement. Long and short of it, the credit agreement is signed by me and is legit, but it's for a completely different lender?!?! They've tried to obscure the lenders names so that I don't notice, but there is small print showing the lender, so i know it's not c
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