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  1. Don't leave it too late to find out if you're eligible for financial help and support through Warm Home Discount schemes this winter. They are run by energy companies but tend to close in late November or early December. One in 10 of allhouseholds are eligible for some form of help with their energy bills. Those that qualify include low-income families, disabled, elderly and other vulnerable customers. http://www.homeheathelpline.org.uk/about/
  2. Interesting question on the floor... I have a JCP 50% discount card which gives me 50% off fares for train including season tickets. It was given to me at the start of December. It is valid thru Feb 2019. However that is my issue. The date is valid for is the 29th Feb 2019... This year doesnt have a leap day of course but is it invalid as it has a date that doesn't exist? Or is it valid until the 28th Feb 2019 by default?
  3. Does anyone have experience of challenging the 20% discount repayment for Right to Buy terms with a local council in the final six months of the five year no move rule. There is a proviso written in the contract that says in exceptional circumstances they will waive this. Would anyone know what these exceptional circumstances might be, or if there has been a successful challenge. I have been told it would be too costly to ask and I would be unsuccessful if I engaged a solicitor to do this hence my post to clarify this would be the case. Thanks in advance.
  4. Good morning, Lets I will explain situation. My girlfriend bought 1 month ago at work 50% discount card from colleague. The card was sold with oyster and 50% Jobcentre discount card. The person put her photo inside the job centre card and signed for it. She was told that it is legal card and he is working in Job Centre. Yesterday inspector stopped her on the bus and she told that the card is fake one and she can not use it. She paid for this card 80 pounds to this guy. They confiscated it and gave her two tickets: one for counterfeit ticket and other for refe
  5. Hi, I have received a letter from TFL for failing to produce a valid ticket, pass or photocard for my journey the London Underground. have asked for my side of the story and have been advised that legal proceedings may be taken against me. What happened is that I was on the tube then an inspector came on and I gave him the Oyster card that I had used for the journey. He scanned it and asked to see the railcard attached so I gave him my student railcard. He then told me that there is a greater discount on the card and asked if I have another railcard. I said that I don't.
  6. Being a new customer of Hastings direct I was astonished to see that my many years of no claims discount (as submitted) had been reduced to 9 years by hastings when i was attempting to check the new policy details. It seems that whatever your actual NCD, if it is more than 9 years, Hastings directs' system only allows a maximum of 9 years to be entered and that this reduction is done automatically without notice (other than showing the substituted amount buried in the policy details). Both my prior insurance suppliers' systems had no issues with recording and reporting NCD
  7. Hi All Lowells have just offered me 50% off a £5k debt on an overdraft from 5yrs ago. I have a letter and also on their system it shows the 50%. I can pay either in full or in part by Direct debit. Are overdrafts harder to defend due to not needing a CCA? Or os the opposite true and it's harder for them to go to court with? They say this won't remove the full debt from my file. This is what they say: Note: If this account is on your credit file and you opt to pay the 'Discounted Balance' your credit file will be updated to show as 'Partially Satisfied' o
  8. Hi, long time member, (but been away for a while so name changed a bit, hoping admin can sort old ID out soon) . A family member has received a nice green letter from Capquest concerning an old MBNA debt for approx £1400. There is an offer of discount of approx 75%. Now, family member has said that he doesnt recall last payment but must be well over 6 years by now. Ive advised that he should get his credit ref file ( I personally hate these organisations, but thats another battle) to see whats on there, just in case it shows anything up. My instinct is to sit on t
  9. Hi All, My landlady told us in Feb that she was selling our house. We moved out in April when a suitable property came up, but had to pay double rent and council tax on the two properties until the end of June when my tenancy ended I did however manage to get a one month discount on the old property as I wasn't living there. Now that the landlady is renovating the house to sell, she too has applied for the council tax discount (as she's not living there) and has been declined as there needs to be a period of 6 weeks of someone living there since that last claim before she's e
  10. Hi, I just wnated to know where I stand on a potential non-issue. Just kind of curious incase anything comes of it. I work for a company that offers it's employees a 40% discount on it's products. To claim this discount we have to fill out a form with what part numbers we require and personal details. We have to email this over to our sister company who will reply with the discounted price. We then have to ammend the form with the discounted price relating to to Part Numbers requested. The items will then be delivered to us and we shall receive an invoice after receipt of go
  11. So within the past few months I had used a loan broker site in an attempt to get a loan. I don't know for sure which one so apologise on the unhelpful nature on this account. I was not accepted so thought nothing of it and moved along. A bit later on I had a random debit for £29.50 from a site I hadn't recognised and again at the end of this month the same payment occurred. I finally discovered who this was and it was a site called My Discount Codes, who offer a subscription service for some sort of discounts. Haven't a clue what they actually do since once I discovered this I demand
  12. Hi, I'm a single expat (this is starting like a lonely hearts advert! ) but, I still own a house in the UK which I rent out. Currently it's empty and I've been paying council tax. I applied for the single person discount but it was denied on the basis that I was a landlord. However, I assume this is normally done on the basis that you are getting single person discount on the property you live in elsewhere. In this case that does not apply to me because I live abroad and am not getting single person discount on any other UK property. The property in question will be nominated as my main h
  13. 2 weeks ago there was a discussion on the Winter Home Discount (WHD) if anyone is following this you may want to have a read up on this here >>http://researchbriefings.files.parliament.uk/documents/SN05956/SN05956.pdf or see my attachment Number SN 05956, 6 May 2016 Summary This Commons Library Briefing Paper looks at the Warm Home Discount scheme (WHD). The scheme started on 1 April 2011 and was originally to end on 31 March 2015. Since then it has been extended twice, first until 2015/16 and most recently until 2020/21. The WHD scheme is part of
  14. Please can anyone advise me on Council Tax single person discount. I'm living with my 2 children. My eldest moved out Sept 2015. In Sept this year the council started taking 50% increase on the amount Ive been paying. They had an old letter that stated my eldest child was on a college course until Aug 16 (when in fact she had moved out a year prior to this). I notified the council that she wasn't living here and not to take another inflated payment from my account as I wasn't in a position to cover this. Initially I got a reply within 3 days to advise about the letter bein
  15. I have a valuation tribunal upcoming, and I have received the following correspondence. The issue is that the council will not grant the 1st month discount because the previous occupiers used up this discount. As we are first time buyers and didn't actually move in till at least a month later I was hoping the 1st months council tax would be discounted 100%. However this is not the case. Is there anything that I can backup this case with as it's basically their legislation against what I think I should be entitled to. Issues in Dispute The dispute concerns the application of
  16. Today in the post we had an offer of 15% off our subscription if we took up the offer. I logged into the address given as I wanted to see how it would apply in our case as we have the movies on discount at present. There was a button that you needed to click and I thought in doing so I woudl be able to get more information and how mcuh the discount would be. T o see this info I had to log in which I did and on logging in got a message that I had now got the discount and was locked into a 12 month contract and it seems there is no way to cancel this as we do not want to be lo
  17. Hello fellow forum members I'm looking for some advise for my sister who has had her insurance renewal come through at a higher than expected price. Upon looking into the renewal, it shows her no claims bonus is at 4 years, not the expected 9years that she should be entitled to. She rang her insurance company today to find out the reasons why this has happened, and they have stated its due to an incident that occurred in 2015. To keep this story shorter, it was a 50/50 clash of mirrors... my sister informed her insurance of the incident (as you should do) and told them that she and t
  18. I bought a pair of boots from Littlewoods in December and use a £30 discount code. They did not fit and were immediately returned. They're now charging me for the value of the discount code even though I didn't keep the item. The customer service told me I'm required to pay for the 'broken discount code' (whatever that means as I didn't break any code!!) Perhaps she meant breaking a contract but I assume one is entitled to return online good without penalty. So can anyone enlighten me regarding this issue as I can't understand what is going on and how I'll paying £30 for trying a pair of shoes
  19. Up until last year I was insured as a driving instructor and had my own car and paid my own insurance and accumulated 6 no claims years from the insurers. I had decided not to continue as an ADI and looked elsewhere for insurance. I received my NCD and uploaded it to the new insurers who refuse to accept it as it was earned, they say, on a commercial vehicle. I have phoned my previous insurers and they said they have never had a problem like mine, and suggested I give permission for the new insurer to call them. The insurers I have now have said I can alter my policy on line (h
  20. Good evening all, I've just renewed my insurance policy and moved from Churchill (Who wanted £1400 to renew me) to Hastings Premier, who wanted £400 to renew. I've informed Churchill that I'll be leaving them and my policy lapsed on 14/11/15. At this same date, my policy with Hastings has come into force. I had a bit of a grumble on the phone to Churchill, as I don't like change, and said that I think it's disgraceful that my insurance has gone up by £1000, especially seeing as I'm now 25 and have five years NCD behind me. None the less, I've left them. But do you think I can
  21. Hi all I have claimed warm home discount from Npower for 2 years now and not received any rebate back, I sent them a message but they didn't reply, I rang warm front and they said they only deal with Pensioners, and when I pressed them they said I can't speak to anyone but my energy supplier, why do I think I am in for a long haul! Anyone else had problems, if so how did you get on? Obviously I will try harder, but someone here might know who I can speak to, to save time. Thanks
  22. Hi I was wondering if anyone can help. An OAP became very sick, was hospitalised and is recovering further in a nursing home. This has been over three months. Is she entitled to a water rates discount since she is not on a metre but her property has been empty and I can vouch that no water has been used. She has records that she has been in hospital and living at the nursing home. She lives alone. She was advised that because she can not prove that no water has been used they wont discount her. But it didn't sound right to me. Thanks
  23. I'm currently repaying (on a payment plan) an old council tax bill on a property which I vacated in 2013. For the period the bill covers, I was living alone, but never claimed a single person discount at the time. Have made initial contact with Council, who say they can only retrospectively apply a single person discount from 1st April 2014. I understand that each council will set its own policy on how far they will backdate single person discount, and that there is no legislation as such which governs this? So my question, has anyone successfully badgered their council into app
  24. I have just moved into a housing association property and i'm just wondering how much CT reduction I can expect to receive? I'm a single person living there. I know the rate is 25% discount for that, so I assumed that I would pay 3/4 of the full bill (It's £120 a month So I would pay £90). However when I go on benefit calculators such as the turn2us benefits calculator, it says I will only have to pay £5 a week towards CT. My details: I'm claiming carers allowance and IS (£420 a month) Rent: £400 a month (Applied for housing benefit, shared rate as i'm under 35 which will
  25. As the title says, my mother who is 76 years old has been asked to carry out a review. (She currently pays nothing) She is worried sick because her son, my brother has used her address as a contact point since his wife chucked him out 2 years ago. He was thrown out on the street whislt his former wife stayed in the martial home (rented). He stayed with me for some time and at my sisters house also. As he did not have a permemant address, he used mums address for everything. eg. bank account, drivers licence, employer etc with post still going to mums.. Looking from the outside in and on the
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