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About Me


  1. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to rem
  2. Government publishes key licensing changes to further protect tenants READ MORE HERE: https://www.gov.uk/government/news/government-publishes-key-licensing-changes-to-further-protect-tenants
  3. The new MOT! https://uk.news.yahoo.com/heres-everything-need-know-new-mot-test-100311860.html
  4. Drivers’ hours: changes to fines for commercial drivers READ MORE HERE: https://www.gov.uk/government/news/drivers-hours-changes-to-fines-for-commercial-drivers
  5. My bank has just sent me an email with upcoming changes to my (and your account) which causes me great concern and wonder if other people have had the same. Basically it says: there will be no payments in/out of my account over the weekend. What really concerns me is they warn of a new financial system where TPP (third party providors) will offer to manage my bank account, they could ask for (that means WILL ask for) my banking login and password details. Of course the bank says, if I do this then it's nothing to do with them if my bank account goes to zero. I would think that n
  6. Have just received a letter from the Management Company restricting the type of vehicles allowed to park within the residential development. - they are trying to ban large vehicles, specially stating "no commercial vehicles, vans trucks, campervans, motorhomes, minibuses and caravans, unless authorised. The justification given is limited car parking and blocking sunlight to flats adjacent to roads. As a considerate resident, I park my small campervan, based on a Peugeot Boxer away from any flats so as not to block their light. The footprint of the vehicle is no bigger than a large c
  7. Changes to the Driving Test will likely be introduced on 4th December 2017 http://www.independent.co.uk/news/uk/home-news/driving-test-learner-sat-nav-three-point-turn-dvsa-driver-and-vehicle-standards-agency-uk-a7684801.html
  8. Just had an email from Ebico to advise that from 15th March 2017, they are switching customers from SSE to Robinhood Energy, with a 4.5% reduction in price of the existing tariff. Ebico are a not for profit company, who have always specialised in offering low energy users a better deal, by not applying a standing charge and having a competitive tariff. Robinhood Energy are also a not for profit supplier and are owned by Nottingham City Council. If you are an Ebico customer keep an eye out for the email and a letter coming in the post shortly. The switch will happen automatically,
  9. A very popular enquiry that appears on the forum concerns bailiff enforcement for arrears of council tax in relation to a previous property and where notification of the arrears is only known when a bailiff visits the individuals new address. In the first instance, the vast majority of people pay their yearly council tax by direct debit. When a person moves from an address, there are usual steps that will be undertaken by the homeowner. Taking a reading of the gas or electricity meters is one such obvious step. Another obvious step should be to inform the local authority of the moving o
  10. From April 2017 insurance companies have been ordered to make it crystal clear in renewal notices how much they are increasing their premium from the previous year. The move, a new rule announced by the Financial Conduct Authority (FCA), is aimed at stopping sneaky eye-watering raises that customers often don’t notice and simply pay on auto renewal. From April 2017, insurance companies will have to display last year’s price in a prominent position on renewal notices The FCA says the move could mean customers save up to £103 million a year simply by spotting the big rise
  11. There have been some interesting changes in relation to the Civil Procedure Rules 2016. I am very interested in Part 89 in particular. >> https://www.justice.gov.uk/courts/procedure-rules/civil/rules/art-89-attachment-of-earnings Are these changes going to be of use and can they be used for all attachment of earnings? Your thoughts please.... For the full changes see here >> https://www.justice.gov.uk/courts/procedure-rules/civil
  12. As always I like to try to keep up with the many changes in regards to DLA/PiP changes between now and 2021. By doing so I found a useful site full of useful changes and reports and things like that... If you want to know more or follow this all please see here >> http://www.disabilitynewsservice.com/tag/department-for-work-and-pensions/ Vital letters that tell disabled people they have to transfer to the government’s new disability benefit are being lost in the system, leading to them losing financial support for months on end, according to a whistle-blower. Rebecca
  13. READ MORE HERE: https://www.gov.uk/government/news/enhanced-learning-credits-further-and-higher-education-scheme-changes More information on the Enhanced Learning Credits Scheme is here: http://www.enhancedlearningcredits.com/
  14. Regarding the fact that the "edit post" facility has apparently been changed so it is only available for 10 minutes after posting, not 24 hours. From http://www.consumeractiongroup.co.uk/forum/showthread.php?459296-Freedom-of-Information-Act-being-abused-with-vexatious-FOI-requests.&p=4853996 Downsides of this: CAG'ers on smartphones may not have the "preview post" option. It may well be available on the "full site" rather than "mobile view" options, but in that case, if forcing people towards using the non-mobile option ; why have the mobile view? The problem fo
  15. Low and behold after two years of trying to get my credit score was looking reasonable on Experian, they go and make changes. Yesterday credit score was 627. Today credit score is 386 Any new Defaults? Nope Any Missed Payments? Nope Any New Searches? Nope What has changed? Nothing All they have gone and done is changed their processes! What a bunch of balls. Can they prove they are inline with the way other lenders score banks? Nope. So what is the point of this service that 14.99 is being taken each month. Think it's time I reclaimed the "ID theft" insurance
  16. It seems this is being snuck in under the radar from 1st April while we are watching Cameron and his EU antics. Previously you could be absent from Great Britain for a period of 13 weeks for example on holiday and still receive benefits such as Pension credit etc. However this has changed from 13 weeks to 4 weeks and does create a problem as many people go to Spain for the winter especially if you suffer from arthritis as the UK winter can be a killer. See here for more information
  17. With the new changes that MAY be coming in the very near future, what does this all mean to the claimant? For more information please see here >> http://www.publications.parliament.uk/pa/bills/lbill/2015-2016/0092/lbill_2015-20160092_en_2.htm#pb4-l1g14 Sorry in advance for the long read... MM
  18. http://www.rnib.org.uk/campaigning-current-campaigns-employment-and-welfare/pip-campaign This only affects the care part. Currently, you receive points if you use an aid. They want to change this. The options are: A lump sum for people who meet the daily living threshold on the basis of ‘aids and appliances’. This would be less than the equivalent of the usual daily living rate, it could be discretionary, or restricted (such as paying someone in vouchers). It would not passport people to other benefits and would mean claimants would not be exempt from the benefit cap. A
  19. Future changes to benefits This is a rolling timetable of expected changes to the benefits, tax credits and social care system please see below for the link... http://www.disabilityrightsuk.org/how-we-can-help/benefits-information/timetable-forthcoming-welfare-benefits-changes
  20. At 11am this morning I had a phone call from someone saying they were calling from Employement and Support Allowance and that it was nothing to worry about but that they are trialling phone benefit reviews rather than sending out forms. She then proceded to ask me questions about others living in the home, if anyone new had move in, if I had savings of more than £5000 , if I had done any paid work or undertaken any course of study, I said no to all which is true. I have had no change in circumstance that I would need to tell them about. They didn't ask any questions a
  21. Well, generally I am a supporter of sky, BUT alongside the £1 increase in line rental (heck they all are) sky are removing the included calls effectively reducing the worth of the package in addition to raising its cost. Now as if the double whammy there wasn't bad enough they are 'automatically' moving people on to an additionally charged calls package - as that gives the nearest call package to the free included ones you had. How are they notifying folk of this - buried in the detail of what superficially looks like just another rubbish mail shot. and to add further insult to in
  22. Growing numbers of motorists are having their cars clamped and towed away because of confusion over tax disc changes. New figures published a year after the tax disc was scrapped suggest that drivers are still struggling to adjust to the new electronic system. The disc was an obvious reminder. It has now gone and we think people might be forgetting The number of vehicles being clamped or impounded has leapt from about 5,500 a month under the old system to more than 8,000 a month. This hit a peak of 10,554 in July. The increase has been put down to confusion over new rul
  23. Or as they advised.... "changes to our small print". Have just received a letter from Npower advising they have made changes to their terms and conditions. Which apparently came into effect on 22 June 2015. Should they not have advised their customers that they WERE making changes before hand ?
  24. http://www.independent.co.uk/news/uk/politics/iain-duncan-smith-calls-for-urgent-esa-overhaul-as-part-of-drive-to-cut-down-welfare-costs-10468503.html When will this government stop bashing the sick and disabled?
  25. Hello, I'm hoping someone can advise me. I started tribunal proceedings against my former employer who was refusing to give me redundancy pay. Before the hearing date, they offered to settle out of court, and although the sum was less than I was owed, I agreed. ACAS issued a COT3, which I signed and sent to the Respondent, who signed it and sent it back to me. This was a week ago, and I have been checking my bank balance daily to see if the money's been paid. As yet, it hasn't. Today, my ACAS rep has asked me to print off and sign another COT3. He says the Respondent has request
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