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Found 22 results

  1. Hello, I employed a builder to do a loft conversion, and renovate my house which I had just bought. He quoted £72,000 to do the work including all electrics, plumbing, plastering etc. The quote was itemised and he visited the property twice and priced up materials etc before emailing it to me. He said that the work would be completed by the end of last summer. He requested an initial payment for materials into his wife's bank account quite a while before any work was done. When he started he told me that he didn't have a lot of money and that I would need to give him money for materials w
  2. My Son agreed to do some work for a customer to install and improve their bathroom. The customer agreed to pay half of the fitting charge then the rest on completion. Customer paid for all materials and ordered her own bathroom furniture. Prior to her ordering this my son made her aware that in order to install a shower into the available space she would have to have a sliding door on the shower cubicle. We got to the last day of fitting and noticed she has bought a hinged shower door which will not fit. I offered to complete the work on Friday and messaged her to arrange th
  3. I've come to the end of my year's car insurance, I've moved elsewhere and cancelled the direct debit. Swinton have served me with a default notice. I'm just wondering what everyone's views were as to the legalities of such a move - afterall, I'm not in breach of any payments. Weird.
  4. I signed on just this past Tuesday and today I checked my bank account and find that my JSA payment has not been issued. I am wondering as to why my work coach did not tell me at the time I signed on, as, surely there must have been some information on the system to say that it had been stopped ??? And why did he allow me to sign on if that is the case ???
  5. I received a Penalty Notice from a small local authority, not a council however still a government based authority. I'm reluctant to name them at this stage. The ticket states a penalty payment of £50 is now due reduced to £20 if paid within 5 days. I have chosen to pay the £20 at this stage and fight the charge after without the risk of it being increased. Probably not what most of you would recommend but its not the money for me, its the principle. The ticket has not been filled in correctly. It just states the date, time, vehicle etc. The ticket has a tick box for a choice of sever
  6. Hello, Sorry, I really tried to keep the description as short as possible: On 03/03/2016 we called some conservatory companies in Devon and finally made appointments with two of them for the next day for a viewing. In the afternoon we sent them a floor plan with detailed measurements and other information about what exactly we wanted. BTW We had even searched the web for reviews about the companies and found nothing negative - just one positive review. On 04/03 an employee of the first company arrived in good time, and we noticed he had the document (which we had emailed the day b
  7. H i everyone and apologies if this is in the wrong section. Around June 2014 I completed an application to construct a single storey extension of (4.5 metres), extended the kitchen and making a shower room downstairs. The property also had a conservatory at the back but I was not sure if that was part of the original property so decided to complete the necessary forms and mentioned that the extension will start from the end of the kitchen and not from the end of the conservatory. Once everything was approved I had a building inspector come down to my property and it was he who advis
  8. I've recently completed payments for an agreed amount with a DCA on a debt that went to court and we decided upon a discounted payment schedule. The debt is finished as far as I am concerned but Im now wondering whether I can claim the historic PPI charges applied? If so, who do I apply to, is it the original lender or the DCA? If its the original lender is there any time limit issue because they haven't dealt with this for quite a few years.
  9. BBC Money box reported today that those who have completed an IVA and have received a completion certificate may encounter issues when applying for PPI reclaims. http://www.bbc.co.uk/programmes/b05pbwjt 16:19 onwards.
  10. BBC Money box reported today that those who have completed an IVA and have received a completion certificate may encounter issues when applying for PPI reclaims. http://www.bbc.co.uk/programmes/b05pbwjt 16:19 onwards.
  11. Hello everyone ! My landlord has not paid my deposit into a rent G'tee scheme . Can anyone provide a copy of a completed form 1 ( perhaps with dummy info ) to take to sheriff court ? I really don't have a clue how to fill it in Any help would be appreciated. Thanks
  12. Ive made a claim for ESA. Dis so begining of December 2013. I'm 22 weeks into claim (13 weeks of which is the assessment period ).....I've been told it'll take months to sort out my claim but not as long as a year I'm still on the lower rate. Everyone I see on forum sites talk about getting their appeal dates, I haven't got that far.....How long is this gonna take, anyone got any ideas???
  13. Hi Everybody, Certificate of Completion received March 2014 but dated 04/02/2014, a little bit annoyed as we agreed a full and final settlement figure in January 2013 (our final year) and paid the amount in full in February 2013. Which really annoyed me but one assumes goes with the territory??? would like some advice regarding cleaning up my credit record, have only applied to Equifax at the moment and have a couple of queries regarding a couple of entries, if one of you kindly moderators could point me in the right direction I would be extr
  14. word to the wise everyone my PPI letter was rejected by Lloyds as they stated that they didnt have any details about me (car loan with Black Horse from 1999). I did not have any bank statements from then, and Santander had told me in writing that they didnt have any either. However contacted Santander customer services (IN-BRANCH TELEPHONE - important) and they managed to locate the errant statements. (Important because this line of enquiry acually worked - use a telephone in-branch if you require statements) contacted Lloyds again who confirmed the account nu
  15. Hi all. I am new here but I have had a couple of things on my mind regarding my trust deed. I am desperate to get a mortgage so my family can move. Back in 2008 I got into serious money problems so decided to get a trust deed. This comes off my file in January 2015. My score with check my file is 404 currently which is one star. It does not seem to go up however. I have 3 credit cards to improve my score (had one 3 years now and paid off in full every month) another one 2 and a half years (paid off in full - balance started at 250 but now has been put to 2200 due to
  16. So here we go folks. Ive been on the forum long enough to know that we don't condone debt avoidance but certainly help those who need it. Well its time for me to turn to you guys for more help. I appreciate that you guys are the best forum on the net for this sort of thing so here we go. My job Im in requires me to get SC clearance. Now I love my job and its the only thing holding me back is my credit history. Ive been very lucky in the past to avoid CCJs / Bankruptcy Proceedings due to some of the amounts, however i want to finally face up to the facts and hit it hard. Ive a
  17. As always, hoping you can offer me some advice. Had an IVA from 2005-2010, completed it in full and never missed a payment. Got my certificate of completion at the end, all good. Since then I have had a few successful CC's, again never missed a payment, top credit score of 999. Took out a Barclays business account in 2011 as a sole trader, IVA posed no problem at all, never had a problem with any business account. Converted sole trader to Ltd company recently and applied to Natwest for business account and after waiting over a month for my account, they tell me that bec
  18. Guys This is an addition to my "Become Debt Free" Process... Ive had a wonderful discussion via email with the Customer Relations Department who took 10 weeks to resolve the complaint but its worth it... I also would like to add the complaint has mostly been dealt with via Email but did a few calls to chase them up. To me... that is a total sorting of £3600!! Im down to 5K! Im getting there... About these 2 extra accounts... Im going to challenge them with Lowell... I really am channeled to get this done and when im debt free a large donation is going to be made!
  19. has any 1 got a photocopy of a completed (filled in) FOS questionaire so that i can copy from it,as i'm not to good at filling in forms and things.it would be a massive help if you have. thanks
  20. Hi all, This is my first post so apologies if this has already been asked. I've had a Virgin Credit card for 10 years and would like to claim back the PPI. As I don't have all my bank statements to work out the total PPI I've paid, I'd like to send off a SAR request but I'm not sure where to send it. Should I be sending it to Virgin or MBNA? Whichever one it is, does anyone know the address to send it to, or point me in the right direction where I can find it. Many thanks in advance, Dave
  21. We urgently need your help. We have limited time left to advance an Unlawful Eviction case to the ECHR. We need sample of completed application(s) made to the ECHR before in the past to give us an edge. With the new single judge system to review cases on the papers, it is only good that we have our work done as effectively as possible. Alternatively we are willing to pay for this task if the money is reasonable from someone with a heart of justice who has very good experience and made several applications to the ECHR before.
  22. Asking the question as to whether PPI is reclaimable on some credit card accounts that were part of an old and completely satisfied IVA. I am unsure exactly which accounts the PPI was added to although I have card details and account numbers and wondered how I might find out and if it is possible to reclaim any PPI in these circumstances
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