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About Me


Found 10 results

  1. I'm currently working my way through old accounts and such like and closing down where applicable those I don't use but have not yet been classed as dormant. One of those accounts was a savings account with a well known retailer, almost 20 years I've had it, they periodically send me a statement, amount saved was under £40. I also had a cc with the same company, it went tits up around the same time as most other ones and it ended up in default, I wrote to them as I did all of my creditors, stated how it was and that I'd be making token payments and then came consumeractiongroup a
  2. I am on pension credit and DLA. A vehicle was bought approximately a year ago on HP. Due to numerous faults with the vehicle, it was rejected and the rejection accepted. The company are now issuing a refund which will probably exceed the limit of, I think, £10k in savings and we will need to pay the £1 for every £250 over the limit. The deposit on the newer vehicle consisted of an older vehicle which accounted for over 40% of the deposit with us paying the rest on HP previous to this our savings were nowhere near £10K a full refund probably takes us over the
  3. We live in a private block of retirement apartments with no assisted help and a visiting manager employed to look after the building. A mentally ill man has been living in an apartment owned by his sister. For the past 6 months this poor chap has become violent and delusional. He has caused damage and has threatened and terrorised elderly residents. He also exposed himself and made many lewd comments. He also was involved in an incident where he had a gun and threatened residents, paramedics and the police with it. 4 armed policemen, three others and a do
  4. Hello, I am really concerned about my application for my PCO licence, just wondering if anyone can answer my question. I have been caught in possession of cannabis twice last year, once in July and then once in December. The first time I was caught with a small bag of cannabis valued at around £10/20 and the second time I was stopped with two joints, I was very cooperative on both occasions not kicking off or being rude/aggresive. Since that time I haven't been in possession. The first time was a written warning no fine. The second time a fine was issued, i paid by postal order but my
  5. I think I have messed up on working tax credit and worried I will go to prison for stupidity. My wife passed away and I was left with 3 young children (age 7 and under) to bring up including one who is disabled. About 3 years later I decided to move to be nearer family as wasn't coping on my own (no family to support where I lived). I was a carer to my wife until she died and then working full time 37 hours after she passed away. I then had to give up work again as my disabled childs health became worse. I did tell HMRC I was working full time and then completely forgot
  6. Hi, I am a new user and don't understand forums that well but I could do with some advice. I have read similar arcticles of my concern on this site but they seem to cover Statute Barred at 6yrs. My issue is:- After 13 years I have been approached by a DCA about a debt and a CCJ that I was never aware of. I would be grateful of any advice on how to deal with thefollowing situation. Sorry if it’s long winded, wanted to get all the facts down. I received a letter from a DCA asking me to contact them, as far as I’m aware I have no debts I contacted them and they a
  7. Lenders have hit out at proposals in the European mortgage directive that will force lenders to provide an extra APR outlining the worst case scenario for borrowers. Under the proposals, every variable mortgage or fixed-rate deal under five years will need to include an APR that shows how the mortgage could have been affected based on interest rates over the previous five years. The aim is to make consumers better aware of the risks associated from interest rate fluctuations. The Financial Conduct Authority is expected to consult on the details of the change when the directive comes into
  8. Can anyone assist with a concern that I have regarding my monthly mortgage payments with NatWest? I have recently remortgaged with NatWest and took out a tracker mortgage of the base rate plus 2.69 %. Over the years I have had further loans which means that my mortgage is recorded as three sections. That is the total loan outstanding split into loans a, b and c. On receiving my notification of the monthly payments the three sections where noted as follows; A - base rate plus 2.69 % equals 4% B - base rate plus 2.69 % equals 4% and C - base rate plus 2.69 % equals 3.19% with
  9. Here is an extract from an email from the DVLA about this company in response to this message:- From the DVLA (our red highlight):- Mind you, as we have seen from the Parking Eye judgment, BPA membership provides absolutely no protection
  10. Ahhh. . . our old friends Welcome Financial Services ltd get £150,000 fine. . . Organisations are learning the hard way of the consequences of mishandling people’s information – and others need to heed the lessons the Information Commissioner, Christopher Graham, warned today at the launch of the ICO’s 2011/12 annual report. The Commissioner’s comments came as the ICO imposed a civil monetary penalty (CMP) of £150,000 on the consumer lender, Welcome Financial Services Limited (WFSL), after the loss of more than half a million customers’ details. Information Commissioner, Christopher Graha
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