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  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 rec
  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 agains
  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 pers
  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.
  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. hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?
  10. 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
  11. 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
  12. 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 a
  13. 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/
  14. 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. S
  15. 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 i
  16. 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
  17. 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.
  18. 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.
  19. 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
  20. 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
  21. 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
  22. 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 c
  23. 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
  24. 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 unre
  25. 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 fee
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