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  1. Tougher laser misuse laws come into force READ MORE HERE: https://www.gov.uk/government/news/tougher-laser-misuse-laws-come-into-force
  2. Hi all, I had a judgement registered against me which i paid in full within 28days. I have spoken to the court and they have confirmed it is showing as cancelled however the lady said that it can take time to filter down to credit reference agencies, does anyone know what sort of length of time this may be as it is having a significant impact on my score and i need to get a letting agency check done. Is there anything i can do to speed up process??
  3. I believe that a former employer may have acted unfairly against me whilst I worked there and I'm intending to SAR them to see if there is any evidence of this which I can use. I do not know where the evidence may exist or in what form, whether it is in emails, phone calls (which I know to be recorded and stored) or paper records so I would like to make a SAR for every piece of information they have. I also obviously do not want to disclose the reason for my request and find that the evidence I'm looking for may miraculously disappear. I am uncertain whether it's better to make a SAR
  4. Hi All Really appreciate your help on this. I have googled and I don't think there is anything we can do, but thought I'd check here. My mother had a quote for £2700 for some building work. She Emailed the builder and he set a date to start work. She had a reply saying it was confirmed etc. They sent numerous communications. Then she had a reply from the builder on a fake Email address that looked just like his asking for £900 payment to secure the date. She checked his references etc and it all seemed okay. 2 weeks later the builder called her asking fo
  5. A strain of influenza which hit Australia and affected 98,000 people, is set to come to Britain and could case our worst epidemic for fifty years. Will it or wont it.I am taking no chances how about you. The vulnerable groups include the over-65s, pregnant women, children from six to 24 months and those with long-term *illness such as *diabetes, heart disease and asthma. https://www.unilad.co.uk/health/deadly-flu-outbreak-in-uk-expected-to-kill-thousands/ Well i have not much time this morning to hang around. I am nipping off sharpish to the vets to have my Flu Inject
  6. New overdraft alerts as CMA banking rules come into force READ MORE HERE: https://www.gov.uk/government/news/new-overdraft-alerts-as-cma-banking-rules-come-into-force
  7. Rent pressure zones READ MORE HERE: https://beta.gov.scot/policies/private-renting/rent-pressure-zones/ Please note this only affects 'Private Residential Tenancies' in Scotland Only Rent Pressure Zone Checker: https://www.mygov.scot/rent-pressure-zone-checker/
  8. I had debt 9 year ago due to unemployment. i also have a mortgage debt because of repossession of the house in uk. My question is simple how can i avoid being swamped by the debt collectors before i find a job, settle in and be in a position to negotiate a repayment. i have a bank account in uk where registered address is overseas. i will have to change that to my current address in uk for criminal records bureau check (now called dbs check) as req for the job. i know banks share the address change with credit companies. Please advise me on best strategy. thank you
  9. Hi all, First time here so please let me know if anything in this post should be changed. Backstory: I was in Bulgaria on business in June/July and had no knowledge of my PCN before leaving (turns out my mate moved my car out of his drive into the parking area for a couple hours where I received this PCN). Upon arriving home I find two letters, one being a final reminder sent mid June by VCS and then a debt collection notice sent by ZZPS in mid July. As I was out of the country and couldn't access my mail, I had no idea any of this was happening in my absence
  10. I bought 6 hard disks just over 2 years ago, 2 have failed just after the warranty, using the consumer rights act 2015 would I have a valid case for getting replaced or repaired? Is 2 years really an appropriate life expectancy for a HD?
  11. Hi, Just received an update to my credit file, a default registered this month for an account with a start of 2006. Its British Gas from a really old address. Since moving i have always been on the electoral role and stayed at addresses for 2-3 years. I have been at my current address for 3 years. I have not received a default notice to my current address. Does statute barred work for getting this default removed? Or maybe if i pay this old bill i can negotiate with British Gas given that I've not had a default notice through to my current address? or Somethi
  12. Someone asked me this question and I could not answer. So as this idea grows I feel it is best to open a thread to discuss this important question. Where would the money come from. Would as Automation takes over and increased productivity happens from there somehow perhaps. Taxes. Companies, where do you think it would come from. It has to come from somewhere. Basic Income-A Great Idea Whose Time Is Coming. https://en.wikipedia.org/wiki/Basic_income
  13. I have got a Mortgage with Natwest on a tracker rate, which tracks + 1.45 above Bank of England Rate. The Bank of England as we know has cut rates on the 4th of August but Nat West keep on charging the same amount, my payments haven't come down. Funnily enough I already had letters from a number of banks (inlcuding Nat West) telling me the interest rate on my savings accounts have been slashed. I called Nat West but was fobbed off with I would get a letter through the post, which I so far haven't had. But they still take the same amount of money for the mortgage of me. The latest pay
  14. Hello everyone. I am in such a stupid position that I have got myself into. I am extremely worried that it is stopping me from sleeping. To cut a long story short I have buried my head in the sand for far too long, on June 21st the Bailiffs will be coming to my house. I have been looking around and seen that it's possible for me to fill out a 'n245 form' and ask the court to stop the bailiffs coming. I have a few questions before I do. Firstly, tomorrow I plan to print off the form and send it out first class. Can the Bailiffs next week after I s
  15. Hi looking for a bit of advice but not sure if this is the right place. Long story short is i paid of my daughters loan of 7.5k the loan company now want to know where the money came from and are refusing to update the loan as paid on her credit file and will not close her account. She told them i paid it off but they want details of where i got the money from, now i can show them but why should i Thanks for any advice
  16. Hi, I have just received a CCJ and all I got back from the courts was a letter telling me that the creditor sent the court a letter after they had received my admission and offer of monthly repayment, and that they had complained that the offer was too low. The court has now ordered that I pay a larger amount each month and that the first payment should be paid to the creditor by the 22nd of this month which is a week before I even get paid. I won't have the money by then and it's also more than I was expecting. Will the bailiffs come if I pay a week late? Or do you think the cred
  17. Forgive me if I seem a bit angry but I used to be a member here asking for advice on how to avoid a sanction from my JSA signing. I got what I thought was great advice at the time. I implemented that advice. I got sanctioned. Is there any way I can sue CAG for giving bad advice? Reading around the threads now with the "benefit" of hindsight, It seems that most site team and contributors are actually on ESA and divorced from reality and the world of work. If I'd realized this I wouldn't have followed their advice. I'm now left without money for 3 months. Thanks a lot. Do I have
  18. I moved back into my parent's house at the start of this year which was also when I registered as self-employed. I currently haven't been paying any council tax since I assume I have to let the council know I've moved in. My Dad doesn't have to pay any council tax. I have the money to pay for it but what sort of trouble can I expect to be in when I let the council know about this? Also I've so far earned around £8k this year so I think I may be able to benefit from working tax credits. Am I allowed to back date this benefit to the start of the year from whe
  19. "The national interest must come ahead of human rights" David Cameron. But is not human rights central to our national interest? Every year the British Government sell £4 billion in arms to one of the worlds worst human rights abusers, Saudi Arabia. Currently a 17 year old Saudi male faces public beheading followed by crucifixion because he has been found guilty of being involved in sedition in taking part in a human rights riot. David Cameron's Government cut a secret deal with Saudi Arabia last month to be elected onto the United Nations 'Human Rights Council'. Sau
  20. Hi All, I took out a log book loan for my sins due to personal circumstances at the time. Payments were being made unfortunately had a bout of ill health which caused me to miss 2 consecutive payments. Loan was for 12 months and made the first 4 on time before the ill health. I received a default notice after the second missed payment, the notice said that I only have 7 days to remedy the situation and pay the arrears and the charges applied. I then got a call on the 7th day to advise that as the default notice had not been remedied that the
  21. My friend is on Housing Benefit and ESA ( CONTRIBUTION BASED). He gets a small amount of Housing Benefit and is at present paying off a large overpayment at £10.89 a week from his HB. His ESA finishes in 2 weeks and he is probably going to claim carer's allowance ( cause he is going to look after his parents) and take a small job he's been offered. Now he wants to come off HB but is wondering how he does it. He only gets £15.00 per week after the overpayment is taken out and would rather stand on his own now. Trouble is he is at present being investigated because of the overpayment ( whi
  22. http://www.thenorthernecho.co.uk/news/local/darlington/11552200.Sanctioned_man_who_stole_to_eat_is_jailed/
  23. Sir Bruce Forsyth is to take part in a special routine on Sunday's Strictly Come Dancing to mark his departure as one of the show's main hosts. Yuk! Can't stand the patronising old git.
  24. Hi all, I will try to keep this as brief but informative as possible, after suffering a nervous breakdown some 16 years ago (work related) I moved back to my home town along with my husband, the intention was to help my recovery. I was granted benefits for both myself and husband...I was on incapacity and claimed for him. After many years of various treatments and medications my mental health is wobbly at best. I am still in and out of counselling, I need my husband for support on a daily basis (as any one with mental health problems will understand) amongst all of the medication and
  25. Banks and building societies have been urged to come clean about cuts to interest rates for savers after it emerged there have been 750 changes to key products this year. An investigation by The Telegraph found that 76 lenders had reduced the rate paid on easy access savings accounts between January and June. The lenders involved ranged from giants such as Royal Bank of Scotland and Nationwide to smaller institutions such as West Bromwich Building Society and Sainsbury’s Bank. Experts said the cuts took the average interest paid on the accounts from 1.14 per cent to 0.97 per cent — costi
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