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  1. We've lived next door to them for over 18 years, they have been here since the 70's. They are an elderly couply, they are not the problem. Their 40 year old son is. He sells drugs at all hours, his Dad has to answer the door to them. The son plays loud music, games and shouts. One time, this was a few weeks ago. My mum was in the bathroom and he said to his friends 'yeah, their grandson lives sleeps in the bath'. He keeps spying on us in the bathrrom. When we reported this to the council all they said was 'He's got mental problems, he can't help it'. His mental problems a
  2. I'm not sure this is the right place but here goes I suffer from Borderline Personality Disorder, which means I am often very depressed, anxious, scared, etc. I am on medication and generally have the illness to a level that I can cope. However I have got myself in debt with Vanquis, Capital One, Littlewoods and Very. I was making regular payments up to about 6 months ago but then my Mum passed away and my world fell apart. I am on esa and was managing with the help of my partner to maintain my payments. Now I am getting nothing but phonecalls and letters.
  3. I'm looking for some wise advice from those more experienced than I with insurance and subsidence claims. Our house (circa 1890 semi-detached) is on a small slope and had some evidence of small "historical" movements when we bought it 20 years ago. Very little has changed since, and a structural engineer didn't mention subsidence in an inspection 4 years ago. However, it seems the neighbour's house has developed cracks near the party wall in the last few years, and they seem to suspect OUR house is to blame as we are further down the (small) incline. They say they have inspection reports
  4. Hi, Can anyone offer me any advice on an issue I have with the FOS. I took out life and critical illness cover through a tied broker in 2012. In 2016 I claimed and my claim was turned down by the insurer as they did not know about surgery I'd had prior to applying for insurance. Trouble is both me and the wife know we told the brokers agent all about the surgery on the night he came to get our signatures after checking the application. I made my initial call on the 14/4/12, their agent visited my home on 17/4/12. The FOS got involved after my complaint to th
  5. A google search led me here as I'm in the same boat as MadMat. I received a call yesterday, 21.11.17, from Cabot and the caller asked if I was free to speak to which I replied 'absolutely not'. This was true as I was just leaving for work at 07.45. Today I received a letter dated 17.11.17 saying they have recently confirmed I live at my address. I am in the process of moving house and can only think that the company that did the tenant referencing (I had to supply 10 years of addresses) passed my details on because I'm usually careful about sharing my details. I have
  6. Hi Guys, I have recently received a letter from a collection agency demanding I pay the sum of £419.42 in relation to council tax owed to Plymouth City Council from 2011. I have sent a number of emails to Plymouth City Council asking why I owe this money. After completing my degree in 2011 I was forced to sign on and claim housing benefit as there was no suitable work available. My degree was a complete waste of money, but that's a separate issue. After sending and receiving a number of emails they have eventually told me that the reason I owe the money is down to the
  7. Hi, I have received CC papers for a debt owing to Moriarty Law on behalf of MotorMile Finance. The total amount is for £350 for a loan taken out in 2013. I have sent in a defence saying that I do not recognise the debt and requesting further information. I have received a letter from Moriarty Law with photocopies of their paperwork. I now have a mediation appointment booked for next week. I am worried because firstly I have never been to court before and it scares me. Secondly, the paperwork does not look correct. The signature in the box that I am supp
  8. Hello. I had some loans with Wonga. I wrote formal complaint and after 7 weeks I get a letter from them. I'm due to refund. Now I live outside the UK and don't have bank anymore. I have sent them my nominee (friend) bank details and now they are saying that they can't transfer money to someone else. Is that correct? They are asking my bank account details in my country, but the thing is that I have some troubles with that. I had a small refund from them few months ago (technical problems as they called it) and it went to my friends account without a
  9. Due to recently selling my house and buying a far cheaper house elsewhere I now have a bank balance of £149,509.10 in my Santander account. Despite this they pay me no interest at all. Santander said I could obtain a different type of account that would pay me interest but only on a balance up to £20,000. I am of the impression that the bank doesn't want my money and would prefer me to transfer it elsewhere. I find this very strange indeed because I thought banks needed people with large balances so they could lend to other people and charge interest on the loans. S
  10. Last year I entered into one of N'power's 'deals' to save me money. It was actually the best deal around at the time - monthly direct Debit £46.00. This was around June time - a couple of months later, they 'suggested' that I would need to increase my DD because they estimated from my usage that it would cost a lot more over the winter period. They wanted about £65 + - I said no, bearing in mind that the previous review had netted me a refund of over £100.00, I couldn't see that I would be that much behind and I would be happy to just pay any underpayment. Not happy with
  11. I bought some made to measure window blinds from an online retailer. They make it clear they cannot be returned if the purchaser gives the wrong measurements, so I followed their measuring guide to the letter. When they arrived the blinds themselves fit perfectly, but the fixings that hold the blind do not fit the recess I have. These fixings or their size were not mentioned in the measuring guide or anywhere else on the site. I have asked for a refund but they say they can't be returned as the blinds are made to measure. I said I wasn't to know the fixings would be bigger and not fi
  12. With warmer weather coming along, I thought I'd remind people of a method that works well and doesn't cost much. If you have a fan that can be used on a table or on the floor, you just need a plastic water bottle, maybe more than one, of about 1 litre capacity. Freeze the bottle of water and when you need to cool down, put one in front of the fan so the air blows towards you and is cooled by the frozen bottle. Make sure you put the bottle in something that will catch the condensation or you'll end up with a pool of water underneath. It works and it's cheap. HB
  13. Good afternoon everyone. This is going to sound pretty silly but I have been paying Lowells £5.00 per month for nearly 3 years now, but I have no idea what it is I am paying for. Some of you have been helping me with an actual claim, so know the state my life was in a few years ago, so I won't go into that all again. Anyway - I think (but am not certain) that the debt was an old littlewoods catalogue. I have not missed a payment ever in the nearly 3 years it's been going on for - but my credit file just shows default every single month, so I am getting no benefit by paying it ba
  14. Dear all, I am new to the forum and in a bit of a panic. I just don't know what to do. We have been in a debt management plan since 2008 and so since then I of course have not had any credit. I've had a letter from Shoosmiths and now a Court Claim via Northampton County Court Business Centre about an Overdraft I supposedly had with M&S. I thought this strange as I have never had a bank account with M&S. The Particulars of the Claim actually state: The claimant claim is for the sum of £4219.76 being monies due from the defendant to the claimant as a consequence of
  15. Hi there, My daughter was caught shoplifting 13th December with two other girls, all 17yrs old, at Primark. My daughter had a £10 top in her bag and it was her first offence, the other girls had similar items but have been caught before. My daughter was brought home after been "warned" by police and the other two received a caution. On New Years Eve my daughter received a letter from RLP Civil Recovery Specialists demanding payment from all or one of the three girls totalling £232 or court action will be taken. Now after reading posts on here, speaking with CABS and also readi
  16. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  17. I bought an Aqualisa electric shower and paid a lot to have it professionally fitted . Almost immediately, when switched on, water began gushing out of the back and down the wall. I looked online and found several postings, including one which explained this was due to a pressure relief valve opening and described how to fix it. Basically, you switch off the electricity, take off the cover, unscrew the valve (difficult) and push a plastic ball back into its tube and then reassemble. OK for a month then it happened again. I phoned Aqualisa customer services and asked for a fitter to repair i
  18. Sca mmers have been sending out a host of fake vouchers, purporting to be from some of the nation's favourite supermarkets and high street stores. These fake voucher promotions have been popping up all over Facebook, Twitter and the rest. You will be led through some questions to get your voucher and you will have to supply your mobile number and your address – ostensibly so your “prize” can be sent out. In reality, your phone will be hit by premium rate calls costing up to £5 each https://www.lovemoney.com/news/26495/dont-fall-for-this-supermarket-voucher-[problem]
  19. I am trying to replace my rather elderly Volvo estate. At the moment, I have a wheelchair hoist in the boot that lifts up my wheelchair and deposits it into the boot. The hoist is matched to the car, and the wheelchair, and it can be a pain finding a combination that will fit, and obviously, some tailgate openings are just too small. I therefore went to Volvo UK, and asked them for the dimensions of the tailgate opening of each of their estates - I mean, there are only three, and armed with those numbers I can go to the vehicle adaptations place and see whether my current wheelc
  20. HI all new here. had a letter 10 days ago saying that a tesco card debt i apparantly owe money on is due to someone called HPH2 adn robinson way are to collect on it. I ignored it to be honest feeling it was a [problem] as i don't remember having a tesco card ever. a new letter came today with a list of payments I can make and to contact them so i did and spoke to a chap about this telling him i don't remember having one and could he tell me more. He said that the last time i paid it was a payment of £70 in July 2010! and I took it out in 2007! I have had problems with car
  21. I'm on the wrong end of a county court case that has been total chaos. I never got the original application. I had moved (this was about possession, originally, but was settled and I moved out) the landlord had the papers sent to my old house, and didn't use my forwarding address. Eventually I found out about it and managed to get a copy of the application from the court a couple of days before the hearing. I got a "response" in but because it was late the judge didn't have it and it got adjourned and I got told to pay costs. I went to the PSU, asked court staff, went
  22. we bought a lodge to live in was informed by holiday site this was ok, we spent £82k on this my life savings this was in November 2015. since this happened I have been diagnosed with primary progressive m.s and decided to sell up and return home to Huddersfield. we informed the site and they have said they will buy it back for £37000 clearly we are all in the wrong business, since this happened we have found out how much they do this I would be very interested to hear from anyone who has purchased anything on sand le mere park in tunstall hull and h
  23. Good afternoon, Couldn't find an appropriate section that related to my post so here goes.... I live in social housing - same flat for thirty years. For the last five years I have been continually harassed by an employee of the landlord. He makes appointments for workmen to visit without telling me two years ago tried to take me to court for an injunction for access. The case was laughed out of court as he blatantly lied in a sworn affidavit - he then had the cheek to ask for costs, which the Judge rightly refused. Undeterred he has continued his
  24. There's a right and wrong way of complaining against payday lenders. If you get it right first time, you're in the minority. There's almost an art to it. But once you know the system with regards to payday lenders, I believe all justifiable complaints can be settled fairly. The payday lenders that remain in the industry are not here to keep paying out in compensation for their past mistakes. They will try almost everything to dismiss valid causes for complaint. But here's how to go about it properly. NEVER call them! Like never. Not only are you wasting time and effort, but they'll
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