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Found 19 results

  1. Hi, I'm on UC, the non-full service one. I'm single and living by myself. Received a letter 5 days ago from the DWP, Local Service Compliance department. It has FESL2Tv2 at the bottom right. It says: I'm latching on the fact it says "about some changes" rather than saying "about any changes". This seems to suggest they're referring to some definite changes they know about? Unless it's just poorly worded. Obviously there's some major changes happening due to the transition over the next 5 months from gateway UC to the full UC (the full version of UC will be implemented by September). Might it be about this? Or is it the wrong department? Alternatively, perhaps it is badly worded and they're checking out any possible changes in my personal circumstances. One possibility is that I do voluntary work at a charity shop. I'm not sure if my work coach put it down as official or not. Or maybe it's just a random interview? It's not under caution. But I do have to take in various identification and my latest bank statement. Appreciate any thoughts.
  2. Feeling like I could do with some advice please. I have had 2 PPI's that HSBC have agreed to pay out on. I sent all the forms back on 16th Feb and was told that the offers were sent out to me that week. Nearly 7 weeks on and I have still had nothing in the post. I have been chasing weekly and have been promised calls back on 8 occasions. Can someone give me a direct email address of the head of complaints who deal with PPI at HSBC? With a husband who has been out of work for 8 months, this PPI payouts really will ease things for us and was hoping that they would have been in out account by the end of March. Any advice I'd be so very grateful for. Thanks in advance.
  3. Hi, and thank you in advance for any help and guidance on this matter. I requested a cca from Lowell regarding a debt of £9000 (which consists of mainly interest charges) from very catalogue. They eventually returned an in signed agreement that has discrepancies on. There appears to be 2 different dates they state the account was opened, one is 07/12/2008 and an alleged credit agreement with an electronic tick for my signature dated 29/06/2011 The total debt is for £9,000.38 Of which £6,434.63 is made up of interest. I am wondering what my next step is, do I contact shop direct about discrepancies or Lowell ( who are demanding full payment or they are sending the debt to the collections department). I have a neurological disorder which hinders my thinking process and mobility and I have been classed as disabled because of it. I find the constant texting and phone calls disturbing ( I had written asking for all correspondence to be delt with by way of letter when I asked for the cca as my speak is slurred ) As I am unable to work due to my disability the funds would not be available to pay the disputed debt. Would I need to request a sar at all? They have placed the debt onto my credit score now as being in default. Sorry for the long post (trust me this has taken far longer to type than it has for you to read it Once again thank you in advance for any advice given
  4. Hi all, I claimed tax credits as my computer repair business is bringing in less and less each year due to increased used of smartphones and tablets. I got a letter from "B&C Compliance Operations HMRC" asking for proof that the business is serious and that I make a regular income and an intention to make profit, ect. Since this letter stated they do not accept electronic or USB/CD i was limited on what I could provide so I simply sent a couple of my most up-to-date flyers as well as my business website/email address. A few weeks later I get a response saying that they don't believe my work is regular or serious, and strangely, that they cannot verify that I am single? Then a week later I get another letter saying simply that they don't believe I'm single, but said nothing about the computer repair business. Are there any template letters for appeals, or any tips and guides on the best/quickest way to appeal?
  5. Dear all, I am 19 years old and was apprehended by security officials whilst leaving this department store a day ago. I know shoplifting is wrong, this is my first offence, and I want to keep it that way. They took me into a side room when they told me that this was due to shoplifting a month ago. One security guard said he remembered my face. When I asked if I could be shown the tape they said only the police could access that, and if I didn’t comply the police would be called and they would see/would be able to show me the tape. They asked me my details (name, DOB, address), which I gave them, and also to empty the contents of my pocket/bag. I showed them what was in my bag and my pockets. They saw my ID via my buspass as I had no other ID with me and took photos of it and of me. I told them I am ill, with epileptic fits and some forgetfulness which is true. I paid via bank transfer but DIDN’T admit to the crime – I said I couldn’t recall being in the store at the time. After paying I was given a letter saying I was banned from the store and that my details would be passed onto the police to say the matter has been resolved. I want to know if you guys think I did the right thing by complying. Do you think they were lying about having it on tape? Also they said the matter wouldn’t be on a criminal record or anything, so I assume I didn’t this won’t appear on any background checks even extended ones? Thank you for your replies!!!
  6. Northern Powerhouse department to close office in Sheffield and move 247 jobs to London Read more: http://metro.co.uk/2016/01/29/northern-powerhouse-department-to-close-office-in-sheffield-and-move-247-jobs-to-london-5651943/#ixzz3yiz1scce
  7. Hi I am new to forums so i apologise in advance if this is in the wrong forum. I had a call from a foreign gentleman called "philip" claiming to be from the complaints department of the Financial Conduct Authoruty stating that certain creditors (Santander Barclays and capital one) of mine had got together and complained to his department as I was in a debt management arrangement, gave an approximate value of debt owed and wasn't paying them enough to clear the debt quickly enough. While we do owe money to these creditors two out of the three are in my wifes name. I told him that i didn't believe he was from that orginisation and put the phone down on him. I got a phone call back immediately from him which he was more threatening. I advised him to send me details in writing. and that i would not deal with him. He said that he had this recorded and would send Bailiffs round. 1)I believe this to be a [problem] 2) Has anyone else had this type of Cold Phone Call 3) i dont believe that these companies who we have got agreements to pay back would "club" together to make a complaint. Any suggestions would be gratefully received
  8. Hello. I have a long ongoing battle with EE which I have issued a small claims action for. To cut a long story short, I only got a response from them after calls, Emails, letters sent recorded, Email to CEO and finally an LBA. That worked and I got two letters from the correspondence department. The trouble was when I spoke to their head office switchboard the lady I spoke to was quite embarressed as she went through to the department with the two names that were on the letters, but came back and told me that no one of those names worked in that department! I have been searching around and I have come across a couple of other people on other sites say that this is another one of EE ruses - fake people to send out generic letters to make it seem like they are taking an interest in your issue! I was trying to find out if any CAGgers have had experience with this being done by EE as I believe this is reprehensible and hopefully I will mention this during a small claims or mediation hearing (should it get that far - They sent a court bundle on the flimsiest 12 points I had come across - I ripped all their points apart which I was quite proud of!) as I know this sort of behaviour from a company is frowned upon. Companies who offer appalling service need to be taken down a peg or five! Anyway, thank you for reading this. Regards Rob
  9. Hi I have 2 overpayments currently being reccovered from my ctc these are for 2011/12 I have being disputing and complaing etc since then. I have all my sars data with parts missing have wrote complaint about missing data also contacted my mp who contacted them. What i am wondering now I have majorityof call reccords and screen shots I feel it should go to offical error, however was wondering if i should await response from ministerial complaints or carry on and submit letter of official error.
  10. Can someone please help me? This morning my employer received a letter from Department of Work and Pensions stating they are seeking recovery of monies for me. They had a very old address I hadn't lived at in 4 years. So I call them and give them my reference, the lady at the end of the line, who is clearly miserable and hates her job tells me I owe 93.70 from Job seekers allowance. I have not claimed JSA since 2005 when I claimed for 2-3 months. (9 years ago!) But I know what this is about as soon as she says this. One day in 2005 when I went to sign on I was told the next sign on sate was a bank holiday, so I'd sign twice on that day and wouldn't go in during the bank holiday. Thinking nothing of it 2 YEARS later when I'm in employment in 2007 I receive a letter saying I owe £93.70. I speak to a range of different people and they tell me as I didn't actually sign on a date I should have (as it was a bank holiday) I had technically been overpaid and owe them. I refuse to pay on the grounds of I was just doing exactly what I was told to do, I was not paid any additional amount to what I usually pay. So I appeal. I don't hear anything more from it, until this letter today. Then I speak to this lady and she says I have no option to appeal despite it being 7 YEARS since I did and I've heard nothing from them until today. She said I have to pay the money within 10 days. What do I do? I really don't want to pay money I do not owe. I feel shocked that despite only signing on for a couple of months in my life and being a tax payer for the past 9 years I am having to deal with this! Many thanks
  11. Need advise please on what I can do next with the issue I have with an insurance company, BDML which seems to have been taken over by Capita. Quick run through: I had house insurance with BDML in 2010/2011, for a year. When renewal came about I cancelled this policy as I was moving. Heard nothing from them, no sorry you are leaving or any acknowledgment for anything else. Didnt think anything of it until I noticed in the May/June when I was sorting out my 6 monthly accounts that money had been taken from my bank account from BDML. Immediately I contacted my bank and requested that they cancel this payment, I enquired why this had happened as this policy had been cancelled. They did check and said that no DD was renewed for this company and advised to contact them to have the money put back in my account. Unfortunately at this time I became quite ill and had a short stay in hospital. Then sadly lost my mother later that year, which I hope people can understand, all thoughts about BDML were furthest from my mind. However in the December of 2012 I received a debt letter with regards to a cancellation fee and admin cost's for cancelling the DD for this insurance. as BDML was not mentioned I had no idea what they were referring to. I contacted them, to be honest I cannot recollect what was said, but Capita who have now taken over stated that I said BDML had canceled. If I did say this then I must have been quite confused at what this was about. Again I hadnt long come out of hospital. Any way I had heard nothing from them until two weeks ago asking me again to pay xx amount that I owed. Didnt say what it was for etc so this time I emailed them requesting the policy and other information. They came back with a copy of a renewal letter from BDML !!??!! Certainly not what I requested. It states on the renewal letter that If I had not contacted them in an allotted time scale, they would automatically renew my policy. This is where the penny drops and I now know why this company had been taking out money from my account after I had contacted them to cancel. I distinctively remember cancelling the policy when my year was up because they tried to persuade me to carry on with the policy for the new property and were quite forceful about it and I got a bit cross with them. So basically they didnt cancel the policy as requested. The email goes on and states that as a good will gesture they will take off the admin charges and all I have to pay is £42 for the cancellation fee, which is the rest of the years payments. They took 5 months of £8.80 which they shouldnt of had. I have emailed back to Capita explaining the above, however does any one know where I stand in all this? Should I pursue BDML for the unauthorised DD they took or have I to pay the 40 odd pounds cancellation fee. I really dont know where I stand in this situation. I just dont want to pay out more money for a service I didnt get even after cancelling. Thanks in advance guys
  12. Hi, I had car insurance 2 years ago with a company called Octagon Insurance, I did it online. when it came to renewal last year , I went somewhere else. Octagon in their infinite knowledge assumed i would renew with them anyway , so they sent me a renewal quote and promptly advised their financing arm - Creation.co.uk to deduct money from my account and set up a direct debit. I got my bank to refund the unauthorised DD, returned the insurance renewal sent by Octagon , but they have been chasing me for about £200 ever since then. I wrote to them to send me the agreement schedule I had with them , but they ignored my mails. Now they have passed my name to Clarity debt collections , and I found out that Clarity did a Credit check on me without my permissions. They also wrote to me that with their usual threats about putting a default against my credit. any advice on how to tackle this cowboys please? thanks James.
  13. At my place of work we were recently given a document called "code of conduct for healthcare support workers and adult social care workers in England". We were told that these guidelines apply to us. The link is below: http://www.skillsforhealth.org.uk/component/docman/doc_download/2246-code-of-conduct-healthcare-support.html My concern is under section 1 called be accountable by making sure you can answer for your actions or omissions There is a statement which reads: 2. always behave and present yourself in a way that does not call into question your suitability to work in a health and social care environment. For me what type of offences, committed outside of work, could be deemed to make you unsuitable? I'm happy that things like theft, assault and the other obvious things which would preclude you from working with vulnerable people BUT I see this as a very broad spectrum of things that could be used as an easy way to dismiss a member of staff who has committed an offence. For example, a person who does not pay a parking ticket. Are they unsuitable? Where do you draw the line here? This is a very worrying way to threaten staff.
  14. Hi All, I need some advise please My brother took my season ticket and was stopped by a revenue officer on the train. He didn't want me to get into trouble and so gave my details, the officer took the name he gave and address but did not do any further checks and said he believed him but took the ticket and gave him a temporary ticket for the rest of his journey He told me what happened when he got home and said that he was really sorry and that my details were given and i can send my photocard and a letter to the prosecution department saying it was me travelling So i lied and said it was me on the train and could I have my ticket back The other day we received a letter in the post for a MR. xxxxxxx (Not his name- the name addressed is not my name or his)... There was no statement taken just name and address however they have got the name wrong. I have not received anything from the FCC and dont know what to do. My brother wants to take full blame and doesn't want to implicate me but we are both at fault here and dont know the best way to respond. Should I write to them or wait to see if they send me something?
  15. Hi, Having read through various other situations on this forum I have decided to write an apologetic and begging letter to FCC (I was caught with no ticket and gave a false address before giving them the correct one) and offer them an out of court settlement. I work with children and a court appearance would be disastrous. I have yet to receive any letter from them but I would like to write to them immediately as it is making me horribly anxious. I cannot find the address for the relevant department anywhere on the internet, can anybody help? Also, what is an appropriate amount to offer - I was thinking £250 + penalty fare but could pay more if that will make it more likely to be accepted Thanks EF
  16. Hi, Does anyone have the address where I can write a letter to orange requesting late payment markers to be removed as a good will gesture? I remember I found the address on this site months ago and bookmarked it but cant seem to find it now. Or should I give them a ring first? Many thanks,
  17. I have had Fibromyalgia symptoms for 3 years and have recently been officially diagnosed,( previously treated for depression, vitamin d deficiency ) the fibromyalgia is probably because I have joint hypermobility syndrome (Ehlers Danlos type 3) and the years of over extending, long periods sitting and standing has exacerbated the condition. In 2010 I was moved to a ‘back office’ function, retaining my grade and pay. My health status did not improve but was not getting worse as I could pace myself; this was considered a reasonable adjustment. I have a rheumatologist and twice yearly OH appointments and generally my employer has been reasonable, for example allowing me to take disability leave for medical appointments and physiotherapy/Pilates. I have now been informed the unit I work in, where, incidentally I received a £500 bonus for my exceptional work is closing and I will be redeployed to another department. However, I will lose the allowances I received for weekend working and shift work this amounts to approx. £9000 per annum. I work annualized hours and this was agreed collectively at the beginning of the year. I will also lose my warrant and be re graded to a position that attracts no allowance and a lower basic salary. The reason I am being moved is that my employer will not send me back to the front line (where my colleagues will retain their warrant, pay and allowances) due to my disability. I believe this is very unfair and I wonder if it amounts to discrimination. Is it possible to be effectively demoted due to a disability? Grateful for advice
  18. PLEASE READ, I DO APOLOGIES FOR ANY SPELLING MISTAKES AND GRAMMAR ERROR, (not my strong point lol) have sent this to executive office of orange. I am writing this complaint as I am discussed with the way I have been treaded by orange for the first time in 9 years that I have been with orange. I have 4 phones on my account and have upgraded a number of times in that 4 years and this is the first time I have EVER heard about this fraud in my name. (the above details are not the fraud account) On Tuesday 29th May I called orange to upgrade my phone from the IPhone 4 to the IPhone 4s and Ipad bundle. I have been asking question regarding this package since January via email’s in April I sent another email to orange asking about the package as I had noticed that it was now available with the ipad 3. So one of my questions was do I need to pre order it due high demands regarding the ipad 3. I was advised no it should be fine to call on the 29th may and upgrade your phone. On and round the 1st may I checked online that my upgrade date was still the 29th may, on checking online I found that it had moved to the 13th July as I was work I thought this is odd, maybe it’s an error on the website. So on returning home I checked again to find that the information the website was the same, so I decided to use the live chat tab, I was talking with a lady called Kristy who advised me that the upgrade policy had changed to 45 days before the end of contract, instead of 3 month, I was not happy with as I didn’t know anything about this as I had not received any communication from orange regarding this change. Kristy was not having off it and advised me to call 150 and raise a complaint, which I did I spoke to a gentle who pasted me through to the upgrade team and I explained yet again what my issue was, he advised that orange had send a survey out to customer regarding the upgrade benefit and a lot of people came back complaining that they didn’t like the 3 months of the contract being added to the new contract. Which I think people are stupid cause I think it’s fine but that is me. Anyway the man that I was speaking advised me what he would do is on 29th put my contract down to 45 days remaining and upgrade my package and then once everything is sorted out then added the 45 days back on which I said that’s fine, he advised me that he would give me a call back on the 29th may, he asked me what time would be best and I said any. We said our goodbyes and end the call. Now on the 29th may I was accepting a call back from orange to upgrade my phone. But as the day went on I’d not heard anything I thought I’d call up the upgrade team and speak to someone to find out what time I would be getting a back. The time was 13:31 when I made the call, when I got through I spoke with a lady and asked her if there was a call back on my account for today and what time would it be happen, the lady checked the system and advised that there was NO note’s so no call back book. Not happy, so I explained the above aforementioned. The lady was very helpful and agreed that I should get the upgrade, she then placed me on hold to that she could transfer me to another department who went through everything with me i.e. what package I wanted, we had a laugh as I had to advise her that orange where doing the ipad 3 now in the ipad and iPhone 4s bundle (connect 66) and where to find it on the system, Once she had found it she asked me colour I wanted and I went for white for a change, so on agreeing to all that she pasted me through to the sales team to a Mr Roche (ext. 0688) who again checked everything with me and advised me that you were OUT STOCK of the IPAD 3 and it would be either a week or month before you got them in again, but the deal I could have was the Ipad 2 and the iPhone 4s 32gb free of charge or ipad 3 32gb and iPhone 4s 32gb for a one off payment off £50.00, I advised Mr Roche (ext. 0688) that I will go for the ipad 2 and the iPhone 4s 32gb, Mr Roche then advised that it need to go to the credit team and that he would call me back within 30 minutes, I said that’s fine speak to you then. Call ended. This call lasted 24 minutes. Within 10 minutes Mr Roche (ext. 0688) called me back (time of call was 14:05) and advised of the following, Mr Roche – Russell, we can’t process the order as there is an outstanding balance, Me (Mr Gray) - what? Mr Roche – There is another account in your name that is outstanding that has not been paid Me - No there can’t be, I don’t have another account, Mr Roche – well there is and there nothing I can do to help you, you need to speak to customer service. Me - I don’t want to speak to customer service I want you to help me At this point I should apologise as I lost it and started shouting at Mr Roche, I was in shock in all my time orange and the times I have spoken with someone from orange I have never heard of this. I got Mr Roche’s details and his manager details as he refused to let me speak to his manager (Lyne) and refused to help me with this ( in his words) he’s in sales and does not have to deal with this and transferred me to the automated service where I had to input my mobile number and password. At this point I was very angry and upset. I got through and a gentleman called mike (ext. 2058, pod 37 Plymouth), at the beginning of the call I very angry and upset I was shouting and screaming at mike, trying to explained the aforementioned to him, mike to his credit stayed very calm and eventually calmed me down and we spoke and he placed me on hold to find out what was going on, before that he checked my postcode DE24 8RH and nothing showed up bar the account I have had for 9 years. Another postcode of S41 0PD this is where I moved to 30th March 2010 after separation from my partner. Nothing showed up there. When mike came back he’d got the account of this outstanding account. He gave me the following details 1 – Opened in December 2009 2 – via phones 4 u 3 – Set as cheque payment 4 – A direct debt was setup on 12th Jan 2010 5 – Direct debt was cancelled on the 26th Jan 2010 6 – Card payment was made on 31st Jan 2010 7- No further payments were made 8 – Account was closed march/April 2010 due to none payment 9 – Debt had been written off by orange as it had come back from debt recovery companies as not able to find person. On hearing all this I was shocked upset and extremely ****ed off. I explained to mike at the dates mentioned as a family we were going through a horrific time due the passing of my mother in law. She passed away 23rd November 2009 Funeral was 9th December 2009 Ashes interred was 15th or 16th December 2009 My Partner and I separated on 16th Jan 2010 I was made redundant on 20th Jan 2010 From the 16th Jan I moved back to parents for a week’s then in mid-February I moved to my sister’s until the end of March where I moved to chesterfield as I working up there. In all this time I was still having some contact with partner due to me seeing my children, she was passing any post onto and in this time I didn’t receive any letter from orange or debt collectors. I asked mike the following Why is this first I have heard off it? When I was paying via dd card in February 10, March 10, I called up and changed my address at the being of April 2010, also changed my bank details. Then in the August/September 10 I called again and changed my address and I have also upgraded other phones on account in 2010, 2011, & 2012 and still not heard of this. Also at this time I had mobile broadband with free laptop on the same account. Mike answered it is because I have asked for the iPhone and ipad bundle and you need another line for the ipad, so it has to go to credit team, also it would have been the same if I had the iPhone 4s on its own. (This call last 41 mins) There were lots of question that I have asked but I can’t remember them all, as I am still in a state of shock regarding this. Mike took all the details and advised me that he has passed them onto the fraud department and that someone will be in touch with me, mike called me back at 1623 and advised me that he had passed it through call last 4 mins. It is now Friday 1st June and I have not heard from anyone regarding this matter. Which is not very good, having read some forums online this seems to be common fraud that has happened to a few people. Everyone on the forums feel the lack of communication from the fraud department and the fact a customer can’t contact them and we are not given a time length of how long it will take to sort out is disgraceful. I would be very grateful if someone can contact me within next 2 hours or I will take this is Ofcom.
  19. Coming through your letterbox any day now http://www.socialscrutiny.org/formication/benefits_files/page4-1000-full.php
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