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Found 120 results

  1. CCA Enforceability Thread I'm sure I've seen it stickied somewhere and cant find it for the life of me.
  2. Hi all I'm in such a huge mess and so scared right now! I realised my partners wages were incorrect on my tax credits and rather than doing the sensible thing by ringing them and telling them this I just kept updating my claim each week a little bit higher which also triggers lots of one off payments as I was scared if I told them it was wrong by 11000 I would be fined so I thought a sensible thing to do would be updated weekly untill it was the right amount! Back in August I received a compliance letter asking for various information one being our p60s I haven't received mine as I'm on maternity and we've misplaced my partners they asked for our wage slips obviously I didnt have any again and my partners are all on email I explained those all in the letter and told them the reason I kept updating and his actual yearly wage and said about not being able to find his p60 I asked if there was away to send in his payslips as they're all on email. I'm so scared that I'm going to go to court and be taken away from my 2 babies! What makes it worse is I sent this letter back to them at the beginning of September and I still haven't heard back! I'm barely sleeping and my hairs falling out obviously down to stress. I know I've done wrong I'm just so scared
  3. Dear members, I received 3 x CCJs last year to do with Private parking firms but every time came across them well on time with help of my credit score agency and decided to pay up in full within 1 month of judgement date. Just checked for any judgements for peace of mind by paying up for a report via https://www.rtlproduction.com/search.aspx and report says "Nothing Registered" Question is - I've been offered a job which needs an external company to carry on pre employment checks and one of the questions on the form is "Have you ever had civil proceedings taken against you by creditors e.g CCJ or IVA?, if yes please provide details." What is the right thing to do? Should I say No based on report I just ran? Or should I say yes and put a note explaining why did I get it (all comms sent to wrong address and claimant won by default) and that its all paid up in full? How do these agency check such record? thanks
  4. 1 - Have we ever seen a case go to court with them? 2 - Am I right in thinking they only use Major Law? 3 - Safe to ignore Threatograms right?
  5. Batches of Durex condoms recalled: people urged to check their batch numbers READ MORE HERE: https://www.gov.uk/government/news/batches-of-durex-condoms-recalled-people-urged-to-check-their-batch-numbers
  6. Hi all, I'm currently going through a move (renting) and am being asked to provide my company accounts to letting agents for their credit checks. Now I remember this seriously bugged me the last time I moved, as I run a Limited Company and it's my gut reaction that the company accounts are and should remain private. I'm paid via payroll on a regular basis as any other employee would be. I don't even submit full accounts to Companies House, so why should these nosy parkers get to see them? Is there any legal justification for them asking this or can I politely refuse, offering my personal accounts / payslips only?
  7. Morning all. I have an outsanding credit card with Capital One ( well pre 2007). Been paying nominal amount for 10 years with payplan The debt is still with Capital One - not sold off to any DCA whatsoever. Is there anyway to check the default date on it ? Both on Clearscore and and Experian I have clean CRF. All defaults well and truly dropped off. The reason I am asking , is that I am currently in process of CCA'ing everyone. Capital One is the only debt NOT sold on to fleecers. But cannot remember / have not got any paperwork with a default notice. Pretty sure it was defaulted say 8 years ago - just want to make sure 100% - I now have clean CRF and dont want it damaged for another six years - if and when I stop paying them. This is the only card I have NOT CCA'd at this present time , on this basis. Any help much appreciated. Thanks again.
  8. Dementia risk now included as part of NHS Health Check READ MORE HERE: https://www.gov.uk/government/news/dementia-risk-now-included-as-part-of-nhs-health-check
  9. just got my credit agreement from them and noticed mortgage indemnity of £550 on it it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05 ppi - £1357.05 plus the £550 for mortgage indemnity question is these 2 amounts probably get interest added every month have they the right to add this on - mortgage indemnity insurance 2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them but need bit of help with the mortgage indemnity insurance can anyone tell me if a account is in dispute , can they still add interest on to the loan having a nightmare with these they are saying they are adding interest on to it thanks all
  10. If you are going on Holiday Abroad always check if you need any Immunisation/Medication beforehand for the areas you may be visiting. NHS Choices Travel Vaccinations: https://www.nhs.uk/conditions/travel-vaccinations/ Travel Health Pro: https://travelhealthpro.org.uk/countries
  11. Hi Went for my interview today for the installation engineer role passed everything did my medical and passed all that and been told their recruitment recruitment will be in touch soon to do CRB checks and a credit file check. Only thing im worried about is the credit check few years ago after i lost my job i went through a stupid patch with silly loans and an over draft, i paid the loans off, still currently paying the overdraft which is not far off setteled since then things are getting better was recently accepted on a credit card to boost my credit history which ive been using and paying off on the payment due date. I am still worried about this credit check though as my credit history still shows very low on noddle or clear score. I have never had a CCJ or been bankrupt i have set payment plans with the lenders and are paying them all off in full. Why do employers want to do a credit check this role isnt dealing with cash or anything so dont see why its needed. Thanks as for my CRB this will come back clear as ive never been in trouble i was going to ask today but didnt feel it was the best idea
  12. Hi Came across this recently. For those struggling to obtain a basic Bank account, there is another option supported by Payplan and a number of different organisations. This might be particularly useful for people who have been homeless or are still homeless and need to have an account for any benefits money to be paid into. https://www.thechangeaccount.com/community/
  13. Hi I've just got a letter from HMRC regarding tax credit checks saying that they think my payments maybe wrong. I am on JSA and due to mental health problems applied for PIP taking the advice of my support worker. They want to see all my details,proofs of children living with me and proof of all my job searches since September. There was no change in my circumstances.The only change is my eldest turning 18 in January but continuing non-advanced education. They requested my details from 05/04/17. I have almost all the information they are asking for but receipts of spendings. Should I be worried?Is this a common process?
  14. Hi, Just wondering if anyone can shed any light on this letter i received on Friday. It is from my local job centre. It says: "We regularly conduct benefit health-check reviews to confirm you are receiving your correct entitlement to Income support. You will be aware that changes in your circumstances can affect your claim to Income Support. The purpose of my letter is to explain that if there has recently been a change and you want to report this or declare that you are starting work you can do so by ringing..... If there are no changes, to enable me to confirm that your benefit is correct please read and sign the declaration at the bottom and return to jobcentre. Then it is signed on behalf of the manager. The letter does look like its been photo copied (the signature is deffo photocopied) and my name has just been handwritten at the top next to "Dear...." Is it just a review like the letter does look like it could be sent to numerous people or is there more to it? I had a compliance interview a few month back after some jealous ex partner falsely reported me so it does worry me its happening again. Thankyou!
  15. 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 staff (del & son) used to gain a questionable" peaceful entry" yes door was open but man standing next to it blocking entry further into property yet del's son still enters blocks door from being closed (surely this is illegal)? series 4 episode 11 i hope But this is the sort of thing if I'm correct that misleads people and causes confusion it's time that tv companies /broadcasters et el, were legally bound to report facts based on laws not fudging stuff for entertainment value, many of those featured are very vulnerable as are some who maybe watching these so called documentaries
  16. A friend has chosen a business name which someone else claims copyright on: Name Of Business© How can I check if they have the copyright or have just added the © symbol? I Googled it and found a Gov site but that only lets you check TM's.
  17. I'm sorry if this is in the wrong section. I checked my Credit report today on Noddle and noticed that a Credit Application check has been run on my maiden name of over twelve years ago, and an address which I haven't lived at for the same amount of time. The check was carried out just days ago. This concerns me as I'm worried someone is trying to obtain credit in my name. The company that ran the check are called Shop Direct. Obviously I will need to contact them, but if I could have people's thoughts on why this may have happened I'd be very grateful.
  18. I recently put in a CCA request to Santander for an old GE Capital loan that they took over. The loan was taken out in Oct 2008, defaulted a few years later and I have been making reduced repayments of £62 pcm for the last 6 years. My circumstance have now changed and can no longer afford that. Santander returned the attached signed agreement. Please can you check if it is a valid/enforceable agreement. They also sent a signed direct debit form and application data summary sheet with it. If enforceable, will I therefore need to renegotiate reduced payment with Santander to avoid a CCJ. Thanks in advance for any help!
  19. The round pound £1.00 ceases to be legal tender from October 15, 2017. The New £10.00 note featuring Jane Austen will be released from Thursday, 14 September 2017. The Current/old paper notes will cease to be legal tender some time in the spring of 2018. https://www.theguardian.com/money/2017/sep/12/plastic-10-pound-note-jane-austen-enter-circulation-thursday
  20. Low earners risk tax shock on workplace pensions There is apparently an anomaly on some of the auto enrolment schemes. You can read more in the article linked below. https://www.ft.com/content/40af7052-0361-11e7-aa5b-6bb07f5c8e12
  21. I have just had a compliance check and really worried. I had a letter stating that they had information that someone else was living here which was true. Its a long story but have been involved with this person on and off for two years. He has been homeless, in hostels etc since March 2015 (he is an alcoholic). I have been trying to support him and he was offered a job not far from where I live and I thought I would ask him to move in so he could get to work. We did try and make a go of it but after a couple of weeks it was quite clear that it wasnt going to work. I called the compliance team and explained this and it was agreed that they would just cancel my Child Tax Credit claim. I have had a letter now from them saying the claim has been cancelled and in their opinion we have been living as husband and wife. I cant be bothered to appeal this as just want to get on with my life. My son is 17 and the payments would have stopped in January anyway. He had an interview at the job centre last week regarding his ESA payment which had stopped at the beginning of October which was OK as he was working anyway. They are now looking into his ESA for last year as he had worked on and off until March this year. He also had a lump sump back payment paid into his account for the time it was stopped this year. He said he told them that he was working but struggling to believe him. He said they told him if there was an overpayment that they would just send a letter and he could agree a payment plan but I think this was for last year. The thing thats really worrying me at the moment is that he did live here from the end of July 2015 to beginning of March 2016. For part of that time we were a couple and I wasnt receiving tax credits but he started drinking heavily again in November and I ended it an claimed child tax credit from then. He did live here until March 2016 but we were not a couple. He did give me sporadic board money. I dont know whether I should just call someone and tell them this as am worried sick they are going to look back on my claim for last year in light of his visit to the job centre. Dont know what to do. Do I voluntarily tell them or wait and see what happens?
  22. Does anyone know anything about these? Just got position number one for a property, after bidding for it last week, went through income and expenditure and I'm shaking and nervous, forgot to tell her about the three things debt wise I pay out only my partners .... didn't tell her about debts were not paying as it was income and expenditure and I'm currently not paying on some of them. Then she say shes going off to do a credit check and will call me back, that was over an hour ago. So I guess that's game over then? I didn't know social did credit checks? How are we supposed to get anywhere to live? Been living at my mums since January now with my partner and 3 children. I feel like I have literally just hit rock bottom ...
  23. Hello I am in dispute with The UW over the erratic and high bills I have been receiving. Since early September I have been emailing the CEO office and trying to sort out what is going on . In the past year my so called smart meter has never been read by anyone other than me and I am not sure how to check it. They send very long wordy emails saying how good they are but do not answer my concerns. Eventually they suggested fitting a test meter. A meter inspector was sent to read my meter and he said that my smart meter was very old and that particular type was unreliable. An appointment was made, confirmed by letter,email and text but no one turned up so I decided to call them. After a long conversation with no explanation another appointment was made for today and guess what - no show. In the mean time I decided to change supplier, after all enough is enough. Initially UW objected but the new supplier says they are taking over both gas and electricity later this month. So after this lengthy pre-amble; should I contact Uw and tell them about the no show or do nothing and see if it swops over to new supplier?
  24. Please can you help confirm something for me regarding a back garden boundary with my neighbour of 35 years. The boundaries were old stlye and marked out by hedges, not long after we moved in we asked the neighbours if we could cut them and put a fence in instead. They understandably wanted to keep the hedge. So we put the fence up on our side. Now my beautiful neighbour is moving. I have started getting anxious over the boundary because my deeds are not ckear on that side and show nothing. I do not want the hedge row cutting down because it offers a countryside feel, height, privacy. We have been maintaining the hedge on our side throughout the 35 yrs. If I recall correctly from the party wall act, puttung that fence up does not mean losing the shared boundary? Is this correct? I am only interested in truth, not trying to claim anyting that is not mine or be awkard, only peaceful. If this is correct was wondering what folk do. Ask their neighbour for a letter stating these facts? Ask them to make it clear to new owner? It is important that I minimise stress due to health and I am not bothered about a foot of boundary but the privacy the hedge currently privides if cut will make it difficult to enjoy my garden anymore. Peace Clear33 thanks in advance
  25. People moving house will be able to easily compare broadband speeds at different addresses before buying for the first time under government plans Internet firms will be ordered to hand over data on broadband speeds for individual addresses rather than just geographical areas under changes contained in the Digital Economy Bill. It is hoped the move will encourage price comparison websites to create easy to use searches of broadband speeds at different properties. Currently, if a house-hunters wants to check how quick broadband is at a property of interest they must individually approach every different internet firm. http://www.telegraph.co.uk/news/2016/09/12/broadband-speeds-for-every-property-to-be-made-easily-available/
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