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About Me


  1. Just got a NIP in the post recently, 39 in a 30 zone. What's the likelihood of of avoiding 3 pts and being offered the speed awareness course? I'm clean, no points ever, in 30 years driving history. It was from Thames Valley Police in case that has a bearing. Lastly, I'm not sure if it was me or the missus at that time? We share a car and i'm 70% it was me but can't be 100% sure. Under the circumstances, I'm going to supply my details and take the punishment. Anything wrong with this approach? thanks
  2. Phiddius

    Course Costs

    Hi, In Sept 2017 I enrolled on a course at University, at the induction day I signed an agreement for the course costs £2170 payable in 3 parts. I signed a Direct Debit form, and over the coming months all the money was taken from my bank successfully. Job done in my opinion. 8 weeks ago, I received a threatening letter, not far off a screaming banchee coming in the room and demanding £320. "You agreed to accept responsibility for your course fee's and if you don't pay immediately we will pass this to an external debt collection agency" I had no idea what this was about. I
  3. Hi everyone Went to sign on today for my Jobseeker’s Allowance and everyone was given one these piece of paper about a 3 week course to switch to UC,anyone else had one of these or know what’s its about,work coach said it’s mandatory,is this true? Thanks
  4. Hi all, I am really sorry but I do not know where to put this. I bought an online course. It had a no refund policy and was based in the USA. After going through it - I have realised that the claims made in the sales pitch were very misleading and some were lies. As what is stated in the course is quite different to what is stated in the salespitch. I asked for a refund and was told flat out that it would not happen and then was told that everything I said was wrong - my perception and the facts and that he could prove it. Then was told he would not respond to anymore messages
  5. Hi all. I'm hoping someone can help me with the below please? I signed up for a trial on a website called alphaprep.net for their CCNA courses on 27th October, tried the service and didn't want to continue beyond the trial. The website informed me upon signup that they would send me an email to remind me to cancel before the trial period was up (see attached screen shot from their website). They didn't do this and then subsequently charged me $259.99 without any other notice. I have since e-mailed them to request a refund and cancellation but they informed me that
  6. Hello every one I am looking for some advice please as not sure where I stand. In march / April i was forced to do a two weeks Emploability skills course with working links. I completed it and have a city and guilds level one. Now the other day i went to jobcentre the person there said I have to do yet another two weeks course and you receive a certificate yet again but this one is issued by ncfe. The adviser was even asking me strange questions like when did i go to bed etc. i asked if the course was mandatory as i have done the exact same one two months before and the reply was ev
  7. Good Evening, My neighbours and I have just discovered that my house's actual water meter is officially registered as my next door neighbours supply. My official water meter is actually 99's. My next door neighbours official water meter is actually number 99's. Number 99's official water meter is actually my next door neighbours. We have all lived in the same houses since they were built and commissioned with water meters in 2011. We are all aware of our water meter serial numbers as per our bills and information sharing. We have carried out testing together and made the follo
  8. My first contribution to this site. I owe the Co-operative Bank money on a credit card and had problems with repayments. They were being quite unpleasant about it (I had asked for a 'breathing space') in one week claimed to have passed my debt onto a collection agency and then said they were taking me to court. I wrote to the CEO Niall Booker and he sorted things out and I received an apology and a cheque for £75. its worth going straight to the top. I also discovered that Phil Burrows who I received a lot of post from doesn't actually work there anym
  9. Hi, I'm posting for SWIM but I hope you can offer advice. My friend's been on JSA for nearly 12 months, but the truth of it is she doesn't really want a job. She's in one of those benefit trap positions where she lives in London and gets so much housing benefit that if she were to work then she'd have to move out of her flat, because work wouldn't pay. Yep, crazy I know, but that's the reality. However, now she's coming up to a year of signing on, her adviser has referred her to Work Program and is also threatening some sort of Community Payback gig where she'll have to remove
  10. It's bothered me for some time that I pay for a packaged account with Lloyds. I've had more than my fair share of financial problems and one of the few plus points on my credit score is that I've had my bank account for a long time. I was investigating "free" accounts and came across a number of sites claiming that packaged accounts may have been mis-sold, hence my visit here. I originally signed up to a Gold account in the late 90s because I had asked for an overdraft increase (£2,000) and was told this was the way to get it. I hadn't realised the full "benefits" o
  11. Finally managed to find a ES567SJP form online that I have printed off and started to complete. As I have MWA hanging over me, not sure how to answer some of the questions as not sure whether MWA counts as a job opportunity. Question 6 in part one asks - Are you willing and able to change the hours of your course so that they do not overlap with the hours you said you are available for work in your Jobseeker’s Agreement? Now if I answer yes to that will it be claimed I can do MWA and fit college around it? I have attached the form and the guidance they use. If anyone can
  12. I started an Access to medicine course (level 3, basically A levels, but a bit easier than A levels) in September last year. I received the highest possible grade in all my modules except one. The possible grades are as follows: pass, merit and distinction. In general for these types of course a pass = above 40%, a distinction = above 70% and a merit is in between. However, instead of % grading they have very subjective grade criteria, from which the marker gets to choose a grade for each criteria and then average them all for the final grade. The module in question was a research pa
  13. Around the two-four month mark, my friend eagerly accepted a UC course. Some of it was actually helpful and useful. Other bits were a complete joke. But anyway, the main plus was it came with a 'guaranteed job interview'. Now I am wondering if this is a [problem]. My friend can not find out anything about the job. I was wondering if anyone has experience of these being a [problem] and also what the rules are for declining the job. If it is possible. The job coach has said he has to take it if offered it so long as it is not commission, however if he doesn
  14. I'm looking for some advice please on how to proceed with regard to a county court claim I received today, courtesy of H&L. Back in 2011 I enrolled on a local college course for the academic year 2011/12. At the time I was unemployed and applied for "mature" student finance. This was ticking along and as the end of the year approached various people also on the same course dropped out as their finance was turned down or their circumstances changed. In January 2012 I was fortunate to secure full time employment and continued on the course, my employers allowing me to a
  15. I can't make an interview for a course and I'm worried about what to do? I doesn't say on the letter that I got from the jobcentre that this is mandatory that I attend. I quite happy to change the date.
  16. I'd be really grateful for a bit of information on what my options are now - here is my situation. I was caught speeding (38 in a 30) on 31st December- I thought it was 40 so it wasn't intentional :o) It was with West Midlands Police. I got the letter and admitted the offence and on 5th February got a letter offering me a speed awareness course. My personal situation was a bit difficult at this time - my husband had just moved out because of cheating leaving me in a difficult financial situation - debt :o( I am just getting back up on my feet. The letter said I had 120 d
  17. Hi , i am IT student , i did enroll with one of private institute for IT certifications . i did enroll for year course on agreement but they said it may take longer if they dont have sufficient student batch. NOW they took two year but still half of lectures not scheduled . i keep on contacting them they always reply to wait for admin to contact back . few days back called them they says ur course due date passed so they reviewing case why course not scheduled . But i am tired to contacting them . i paid them
  18. I started this course last year when I had just split up from my partner, recently had a baby and had to move home! A sales man came out and was saying how I would be guaranteed a plumbing job at the end of it and I would get loads of work as I am a woman and vulnerable groups prefer woman in their homes etc etc he said I could take as long as I wanted to complete and I would pay the college monthly!! As I am currently off work due to a back injury I am struggling to make payments and have contacted the college who have told me they need to see proof which I am gathe
  19. Hi Son is 16, on approved training course. Returned completed form to Child Benefit before the cut off date in August, child benefit stopped. Wrote to Child Tax credits to inform them of approved training course. Tax credits also stopped. Would you advise what to do next? Thanks
  20. my bf is giving up his job next year to care for our Daughter full time ( he lives 300 miles away) I am a full time student. He has three credit cards which he owes nearly 20k - currently paying them at rate of £1,800 a month. I owe my own house and car and he will be reliant on me which I am cool with. What would he tell the credit card companies and what would happen as his income will be nil and he has a joint interest in house with Wife - divorce going ahead next year. Will he send need to send a letter to them three months in advance of h
  21. On CWP and 2 weeks ago, we were all taken into a room and asked our details and what jobs we would like, next day the advisor contacted me and said please forward c.v via email as I have a driving job for you. Great I thought as I forwarded my c.v , I added a cheeky p.s of please would you fund my 35 hrs CPC periodic traning then ? So I may legally drive as this is now required since 10th September 2014 for over 3.5t drivers. I again repeated the request to career advisor 1 week later 'in centre' and got your WP advisor will contact you shortly - that was 5 days ago.... Seems they only li
  22. hi, im looking for some advice , i left the army in 2005 with no qualifications i decided to take a skills course on I.T and computers i applied for the course i was accepted a guy came to my house with a welcome pack i paid him 125 quid in cash we settled out the relevant paperwork then off he went. i started this course online after a few days i started to feel the course was crap and wasn't for me my wife told me to give it another try , i paid my first months installment on the course and tried again to do this course , the course was
  23. i have been "mandated" to a ascension meeting next week and do not wish to attend. i was signing on jsa for a very short time months ago and as soon as i saw this course in the form of an induction i signed off and started self employed work to escape but to my horror they called me every day for two weeks wanting to know what i was doing. i did all i could to avoid them as it was harassment but i finally gave in and gave my details. however i am currently sick and on esa and to my horror they have surfaced again! What happens if i just ignore the letters and dont attend?
  24. work in security and just a standard security officer in a building monitor things etc. The other day a person from a learning centre thing, that work had signed us up too, I asked what is it, they told me Marshalling/stewarding, I said oh no I'm not into that not interested, then they learning place kick off on me saying wait till we tell your supervisor you have to do what ever they say. I contact supervisor and tell him look I'm not doing marshalling or stewarding at all! and he said it needs to be done for audit reasons, I tell him no as they will make us work for the stadiums
  25. I started working for a company 4 years ago when times were hard and I had no where else to go, I stayed with them for 4 years and had a good relationship with them, they put me on courses to become a supervisor and a few other courses to suite their needs. I signed an agreement saying i would pay the course fees if i leave within two years. I have now left and i have a £1000 bill to pay. I agreed to give them my week in hand and now i owe £400. When they deducted this amount from my wages, it was from my wage after tax ??? is this right ?? should they not deduct it before the tax is deducted
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