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About Me


Found 12 results

  1. Hello newby so please be kind. I am and have always been in Scotland. I had a student loan back in the early 90s. I missed a deferment in the mid 90s and they enforced me to pay the whole lot. At this point I stuck my head in the sand and moved house a couple of times. I never heard anything and got a mortgage no problem in 1998. I sold that house in 2006 and rented for a few months. Got a mortgage at my current house in 2007. Clearly never had any issues on my credit checks back then. the SLC
  2. Hello, I know of an employer who is not paying minimum wage. They employ at least two people I know of personally who are both EU migrants. This employer is in the hospitality industry and pays £7 per hour cash in hand, no contract, no wage slips, and I assume no rights. One of the people employed there already has two legit part time jobs so this cash in hand one takes them over the tax limit which they obviously don't pay as it is not on record. The other employee has no other job so this is their only income. They only work part time evenings, or on a when needed basis. Neither of t
  3. Hi there, I have lived for the last 10 years in a Victorian terrace of 10 houses, which have traditionally long thin gardens which slope down to a paved Housing Association car park. The gardens of the terrace used to extend much further than they do now but the previous owner of my house, along with another, who owned this land sold it to a HA for development in 1994. The houses were finally built in 1999. Before and since the sale, the residents of our terrace have parked their cars on the land and after it was developed by the HA, in the paved car parking area. For myse
  4. Let me start with a little back story. My son is 3 and disabled I am his sole carer 24/7 without a break or sleep most if the time. I have no problem with this as he is my baby and i love him. But it gives context. About a month ago it was in Tesco shopping i did self scan and after half an hour of my son having a melt down because of the noise we finally got to the pay bit. I had just got my card out to pay when a security guard shot over and asked if I had paid for the £4 toy my son was holding. Now if you have ever experienced a meltdown you can understand
  5. Hi, I've got an issue I need advice on please. My brother has lived with his girlfriend and their daughter for five years. I was talking to her the other day when her dad came round with a DWP letter for her. She cheerfully explained she claims benefits as a single parent living with her mum and has been all the time she has been living with my brother! She says she does really well from this and even gets free healthcare. I tried to discuss it with my brother, who seemed to be oblivious to what was happening. So now my dilemma, do I Report her to the DWP, I hate benefit fraud
  6. I started a job on 9th March as a GP receptionist which is a role I wanted to do for a while. Unfortunately I fell ill with Bells Palsy a few months later and have not been to work since 2nd June. I currently receive SSP from my employers and send in regularly Fitness to Work certificates as I have had another condition brought on by Bells Palsy. Anyway to cut a long story short, I previously went a Welfare Meeting at work and it was agreed that I would return to work for 4 hours a day when I was well enough however I have now seen a neurologist who has diagnosed me with a condition called F
  7. HI, I'm new to this site and after some advice please. Recently been refused credit so checked credit file. I have a CCJ from severn trent water -from 2014 (I knew about the CCJ and paid it with a week of receiving it - so according to the information I received because it was paid within 1 month it wouldn't show on my record. So roll forward 2 years - My credit record has this CCJ showing as unsettled from Sept 24th 2014, they have now sent me a letter I dated 11th Oct 2014, confirming my payment of the CCJ on 3rd Oct 2014. I have spoken to severn trent who s
  8. I have a Barclay credit card where I did a balance transfer for £900 where it was 0% interest for 33 months. I am in month 7 of the period, however the card has been paid in full. Barclay have confirmed to me in writing that all transactions to the £900 will still be interest free for the remainder of the 33 month period. We have a Black Horse finance agreement for a caravan and after paying a large lump sum, we still have £1830 settlement figure. There is still 44 months left on the term. The lump sum payment reduced the monthly payment from £272 to about £1
  9. Hi all, I could do with some advice because I've no idea what I'm doing. Last week, I resigned from my job due to a "hostile environment" - I did so in writing giving the required 30 days notice. I also thanked them for the fantastic opportunity I'd been given at their company. My problem/query is that I am leaving because of one rather toxic staff member but I haven't stated any names in my resignation. I've always been quiet and tried to avoid trouble etc. Unfortunately, I haven't got the confidence to put a grievance even though others have (I'm not the only one). To be hone
  10. I'm about to come into some money(4k) and I have 2 debts which I would like to do something about as they are both CCJ's. Outstanding amounts of 2.8k and 9k(8% apr), originally 5.2k & 24k. I have been paying toward them every month for a while. They are both going to drop off my CR this year. My heart says pay off the 2.8k one to get rid of it, one les CCJ to worry about too, then I'm only making one payment a month and put the rest towards the bigger one. My head says put the 4k towards the 9k one and pay less interest and pay it off sooner. Thoughts? Espicially from anyone who ha
  11. What to do, what to do..... So...I have a significant debt (£15k) that was collateral damage from a now long dead relationship. A relationship debt i refused to pay on principle...bearing in mind that there were other debts and ccj's that have now been paid/satisfied and fallen off my credit score. This is the only thing outstanding to a clear my record. I am registered with Equifax and have been keeping an eye on my credit over the last 6 years. The original debt was with Barclay's but then appeared against 1st credit and is now listed with Cabot....at one point all three defaults
  12. HI, I hope that someone can help me concerning some debt collection advice. I received a letter from Cabot financial for an unpaid debt 10 days ago stating that they had confirmed my address and want me to pay £1200 concerning Hitachi Nova. I received another letter from Rockwell yesterday stating that I have 10 days to pay £500 concerning a debt to Arrow global. I am already paying off 2 other debts and I have no means to pay these. I had a marriage failure and left work to study a science degree. I am pretty sure that both of these debts are around 7 years old and I have
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