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  1. Long winded explanation. Our mortgage of 25 years comes to an end towards the end of this year, when we will have to repay approx £100k 2 years ago our life endowment policy was ended by Phoenix Insurance (not originally with them but numerous acquisitions they ended up with it). The reason for ending it - they had had to use money from the pot to service the policy. We complained - they agreed that it had been mis-sold and they refund the difference between a standard life policy (life only) and the money we actually paid into the policy over 23 years with simple in
  2. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  3. The end of an era: RAF Tornado returns from operations for the last time READ MORE HERE: https://www.gov.uk/government/news/the-end-of-an-era-raf-tornado-returns-from-operations-for-the-last-time
  4. Hi All, long time no log in!! I've been battling with Vanquis since their email to me around July time of this year when they advised me that they were uping the minimum payment so that my balance 'can be paid off quicker'. Yeah, right!! Since this increase in the minimum payment, i've been sending them around £190.00 a month since August (my balance was over £3,500) and although i've seen the balance reduce, if you're clearing your balance quicker, surely the more it's reduced the less your minimum payments should be getting every month. Not with these theiving SOB's
  5. Hi all, question for the HR experts... I've ended my probation period with a large, benevolent organisation - the manager has sent me a formal invitation to a Performance Review meeting, in which he's explicitly stated that "Failure to meet company standards could result in termination.." etc, as well as reeling off a list of concerns. He also gave a couple of weeks notice of the meeting. So from an HR perspective he followed the Perf Review template exactly. Now, I've had a search around and haven't found any instances of people having formal invitations, AND HR were present, AN
  6. We've been in the property 12 months, and 10 months in the landlord has served us with a section 21. So we have two months to leave. An estate agent has been in touch regarding viewings and we have been as accommodating as we can. We have found another place to rent and have asked if the landlord is willing to end the tenancy early, and the answer was no. We can leave early but still need to pay until the end of the 12 months. The new landlord doesn't want to wait that long and if we cant move in earlier he will have to let it to someone else. So, in an attempt to persu
  7. We recently had a neighbour park over the edge of our driveway - they were asked to move their car but refused, we called the local council who sent a parking warden on a scooter. When he arrived he confirmed the car (shown in the photo) was over the drive BUT I thought over the edge begins at the stone that tapers down to meet the road (Point A) where as he said only the last 10cm of the car was over which is more like Point B in the photo. Which is correct? Also 3 days later a Police Man came to our door about the incident - no idea where they got our details from we
  8. I was in a car crash in October with my husband and our children, the car was written off and we ended up having to pay the entire years premiums within 7 days. We weren't in the wrong, but the knock on effect of an open claim has left us having to pay higher insurance premiums and we were unable to replace our car for months. I've wrote this in depth, but I can't paste it from here, unless somebody else can. I was just wondering if anyone has had a similar experience and if so, how long did it take until it came to an end? My husband, our children and I were in a car crash in October 201
  9. Government action to end letting fees - England Only READ MORE HERE: https://www.gov.uk/government/news/government-action-to-end-letting-fees
  10. READ MORE HERE: https://www.thednrc.org.uk/whats-happening-on-now/we-are-fundraising/a-poem-to-remember.aspx
  11. Hi there, I am being asked by the passport office to provide start and end dates of my first two jobs (I don't have the P45s or payslips from these years, I do have P60s). I contacted the HMRC (SARS team) and was sent a letter with all my jobs listed but no dates to them. After another conversation with them they sent me a second letter with only few leave dates. Now, I used facebook messenger to chat with one of the HMRC people today and asked about this. I was told that HMRC may not hold any records regarding the start and end date of employments if the employer didn't provide them with su
  12. Hi All, Please bear with me. I was made redundant over a year ago, and as a single Mum, I've just started my own business, but am still relying heavily on benefits while I find my feet - financially. Our landlady's told us she's selling the house in June and as we've been here for 5 years and are so happy and settled, I'd love to somehow be able to buy it. The house is expected to go on the market for 220K. My mum recently sold her house and has a 30K deposit she can give us and I'm now considering the following options: 1. My ex, who earns a good wage (100K) can 'Buy to
  13. I was having difficulty with my debts which are around £12K. I am on benefit, and so I foned up Debt Free Direct to see what they could do. I am very upset that all they could offer me was an IVA - 7 years paying £130 a month. Naturally I had to sign up because I was getting constant harassment of one of my creditors Halifax who kept foning me up every day demanding money I didn't have. I am now wondering if the IVA really was the right solution; they didnt offer me a Debt Relief Order which is what I would have prefered. Is there anything I can do besides letting the
  14. I guess there is always the telephone book? I have Yellow Pages and a local directory delivered every year. For the full story :- http://www.mirror.co.uk/money/great-118-rip-could-end-10410058
  15. Hello CAG Please give me some help and advice. My interest only mortgage will end next month . I have asked for a five year extension. I have been discussing this with my mortgage provider and it does not look good. I am pretty nervous and anxious. I am not quite sure how to go about negotiating with them. As its interest only they want the entire loan back. Due to illnesses over the last 10 years my plans to save to repay the mortgage at the end of term went out of the window. then went into arrears and it was touch and go for a year. I was able
  16. http://www.telegraph.co.uk/news/2017/02/01/end-rip-off-rail-fares-ticket-pricing-system-gets-overhaul/
  17. Good morning all, My ex and my three school age children are coming to the end of their rental lease on December 1 and want to stay in the property. I provide maintenance and she is on benefits including housing benefits although according to her these have been cut some months ago.(she has been on housing benefit for the last 18 months)...She made an arrangement with the landlords agents to pay a three month 'buffer' when she moved into the property 18 months ago...Unfortunately my income dried up three months ago and the buffer has been used over the those three months and the landlord
  18. Hi everyone, I have never posted in a forum before, but I really need some advice. Apologies for the lengthy post, but I just don't know where to turn. In April 2013, we were unlawfully evicted from our rented property. Knowing that we were away for a few days, the landlord entered the property, changed the locks and emailed to tell us he had done this and if we tried to gain entry he would call the police. We were behind on our rent. The landlord kept everything that we owned, except the few clothes we had with us. He then proceeded to sell our possessions at a local
  19. Hi guys, would appreciate your help on this. I currently have 25K of debt which is being administered with Payplan. I defaulted on all accounts in 2012 during a separation. Next year I should be receiving early inheritance to the value of 25/30K So I would love to clear all outstanding debts and be debt free. However I would like to apply for a mortgage with my new partner in a couple of years and understand that companies like Halifax look at your credit file in fine detail. A - Should I clear all debts at 100% of value before the 6 year default period ends (a couple are
  20. Hi everyone - I have an interest only mortgage made up of several loans (totaling approx £225k) the largest of which (£90k) finished its term about 8months ago. Bradford and Bingley sold me to Engage credit about 18mts ago. The endowment was cashed in about 10 years ago as a bad performer I used the money to pay the mortgage during a difficult time. B&B were aware of this but were happy to allow me to sell the property to eventually redeem the mortgage. At the end of term, Engage allowed me 6 weeks to get the property on the market and it has been ever since.
  21. Evening Can anyone offer any advice. My secured loan is due to end on the 4th July 2016, it was originally with GE money who sold to Prestige finance. Original loan was unregulated 30k, to date paid back 89k. There is still a balance of 10k made up of charges and additional interest. I will continue to make payments but wondered what will happen now, can they charge whatever interest rate they like because the original agreement has/will end? Any advice greatly appreciated before I ring them to negotiate. Thanks in advance
  22. Hello Everyone, I hope this has gone in the right thread Im really hoping for some great advice here, - Although i'm confident i will receive it, Im writing on behalf of my sister. Here is some background information which will help picture our crisis. My sister is 27, a qualified staff nurse, caring, loving and kind.She has fibromyalgia a chronic widespread musculoskeletal pain and fatigue disorder When she first started nursing she was put on HDU a high dependency ward, A highly stressful ward when first qualified. In time my sister became depressed and was put on
  23. Hi, I'm unsure if I am posting this in the right place but I am looking for some advice or if anyone has been through anything similar and what happened. I applied for ESA, and after a health assessment I was denied ESA. So I appealed and won the tribunal and was placed into the WRAG group. I had an interview at my job centre and was told I'd be starting the work programme at Ingeus. 2 years later I am at the end of my work programme (ends 2nd October) and I have not managed to secure a job. I have been looking for jobs as a TA in a school, or as a last resort going back to work in
  24. A few weeks ago I had a moment of madness and thought I could get away with shoplifting a £6 nail polish from Boots. I didn't even make it out of the store before a man in casual clothing calmly told me to follow him to the back room. From there I returned the product (in a sellable condition) and gave him my name and address. No picture, bank details, phone number etc was taken. Police were not involved either. I was told that I was banned from that particular store for a year and that I should be expecting a letter from RLP soon. I left the store and that was that. I received my first l
  25. Hi can anyone help. Relative starts job on 8th February with 6 months probation which by her calculation takes her probationary period to 6th August. She assumed after 6th August she had successfully completed her probation. She was informed around 18th August that she had got it wrong and that her probation would conclude at the end of this month. Last week they advised her that they would like a further 1 month extension to assess her. No letter explaining what she needs to do to improve nothing. Her contract only states that she will have an increase in salary at the end o
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