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  1. Hi I'm after a bit of advice. I am currently interest only on my mortgage and owe approx 63000. This ends in 7 years. I am in no position to remortgage. Because of my poor credit rating and type of house I'm in. As I know this 63000 needs to be paid. What is the best way. Do I up my monthly payment to my mortgage company or save up over the 7 years. (I actually thought I had longer) Thank you
  2. Hi guys, I wanted to get some advice before I part with my money to my Landlord. I'm in 12 month contract, no break clause with 5 months left but I've just accepted a new job abroad at the end of this month. I contacted the LL with a months notice and explained I'd get someone to take over the tenancy but they're saying as I need to give 2 months notice, they will need two months rent (my deposit plus an extra month). The LL is in the process of already getting a new tenant, probably giving them a fresh 12 months. Is the LL correct in asking for 2 months rent? In the agreem
  3. Hi, Does anyone know what Nationwide is likely to do in our situation please? Wife is 16 years older than me so we had a 10 year self cert mortgage taking her to age 65 originally through Derbyshire/Salt and now taken over with Nationwide. About 12 months ago we rang Nationwide after receiving a standard letter re repaying the loan at the end of the mortgage term. The friendly but extremely unhelpful call center guide was only interested in referring us to an independent mortgage advisor when asking about options and whether we could extend the term as they couldn't give advice and t
  4. I have been living in a privately rented property since October 2010, signing a six month lease to begin with and a yearly one since April 2011. Long story short I am about to move out as I take my family back to my hometown and finally escaping the city but I am not sure what responsibilities I have when moving out. I have been living in the house with my wife and three kids so obviously there has been general wear and tear to the property (hard to avoid with kids aged 11,8 and 2) but nothing that I would deem extreme (for want of a better word). During the time that we have l
  5. Hello, By searching google I can see this has happened to a number of people however there hasnt been any conclusion so here is my problem and not sure where I stand. Out of the blue I received a shocking & demanding email from buymobiles asking me for £360 or return of goods within 7 days as, as they say I have been disconnected from T-Mobile. In April 2013 I followed a link from HDUK for a Nexus 4 at £15.50 a month with a free phone. I took up this offer and received said phone and paid T-Mobile every month however on the 18 month due to the small amount of
  6. Hi, We recently moved house and new property did not have and working landline. Previous supplier was Virgin Media but that was cancelled by the previous occupier's family. When I looked to transfer from my current home the website said I would have to pay a new connection charge for engineer etc. As BT couldn't provide the service I arranged for Sky to provide phone line and Broadband as part of my existing TV package, BT however want to charge £169.75 early termination of contract fee and a separate charge of £31 for "cessation of broadband." My question is simple, are they en
  7. Please forgive the length of this post. Very stressed mother of 20, 18 and 14. 18 year old staying on foster child. All in uni, college. Husband primary carer for looked after child. We rented the same house for 13 years, initially through an agent, but the landlord took over himself for the last 3 years. He was a pain and kept increasing rent every 6 months. We should have moved, but, children, work school etc. He issued a section 21 notice at which point we started looking for somewhere to live. I lost £750 in deposit and referencing fees. I have to admit
  8. Just had phone call from DWP telling me my ESA is ending today(8 weeks after my medical)??? I had my medical on the 1st July 2016,which as usual I have received "0"points! They have told me I have to make a claim today (so that I get a continuation of benefit??) Can somebody please tell me if they can do this with no warning? And will this cause problems with my housing benefit/council tax(which happened to me before, whilst waiting for my appeal and took months to sort out(but lost out on a lot of benefit) so now i'm terrified that its going to happen again!!!! Any advice would be w
  9. Hi all hoping I can get some advice as I currently receive wtf and ctc as a single person , no other benefits, I would like my partner to move in but he doesn't wish to make a joint claim , we should be able to manage on our two incomes. Can i call to cancel my single claim and say I don't wish to make joint claim as we will be OK financially? Will they still ask for all his details ect .? Or do we have to do joint claim ? Looked around various sites for advice but finding different answers... thanks also if I can just cancel is it best end of tax year april or when start of renewal July? If
  10. Hi there, We have a really good landlord but I am in a 3rd floor flat and have found out I have MS. Increasingly I am finding the stairs difficult, both with vision and energy. We still have 8 months to go on a 12 month contract. At the moment we are thinking of staying until the lease is up but we keep seeing ground floor properties with adaptations and are worried that nothing suitable will be around in 8 months. (last time we were looking there were no ground floor properties)
  11. Microsoft has ended technical support and security updates for older versions of its Internet Explorer browser. The changes, which will affect versions 8, 9 and 10 of the browser, were announced in August 2014. Some estimate that these older browsers account for more than 20% of web traffic while Computerworld claims that only 55% of IE users are using the latest version. Browsers are often targeted by hackers and experts predict a crop of attacks. "Beginning January 12, 2016, only the most current version of Internet Explorer available for a supported operating system
  12. Me and my ex have been renting a flat for just over a year, we have a child and have recently split up. When it was clear the relationship couldn't be saved I put in notice to end the tenancy agreement (It's a big expensive place that I didn't want to continue with on my own and she wouldn't be able to afford), she was asked to confirm which she did and we were given a moving out date. She confirmed she had arranged to move in with family with our child until she was able to arrange a place, I know that this is fact as I actually double checked and confirmed everything was in place t
  13. My good friend is in a financial mess.. ..he owes thousands to a number of companies and the debts have been sold on several times. He is making small payments on each debt every month and has had the interest frozen but it is going to take him years to pay these off. He cannot go for an IVA or bankruptcy due to the nature of his employment. Any suggestions as to how we can agree an end date with these companies, with hopefully a proportion of the debts written off? He is very demoralised at the prospect of making these payments for the next 30 or 40 years, or until h
  14. Hi, It’s been nearly five years since we asked PayPlan to help us with our debt difficulties. And In that time our debt has gone from nearly £29,000 down to just £5,000. We are paying £340 per month. Now, the child benefits/Tax we have been receiving will be reduced with our eldest finishing college. There will be a loss of about £65 per week, but we don’t expect to regain the full amount from our son due to his indecisiveness about his future. With our reveiw due in August, we are unsure what to say about the his income. Would the creditors expect an income figure for him? or
  15. Hi Just a quick question. We have a car on finance and still have 2.5 years to run then a balloon payment at the end. We have just got a motability car and were wondering if there is any way of sending ours back. We haven't got to the 50% mark yet. I can't default on it in any way as the finance is in my fathers name although my husband is the registered keeper. Any advice would be great Thanks
  16. Hi My neighbor's son and his friend have for the last year been renting with a private landlord who is now selling house. They were going to rent together again, but his friend changed his mind last week. Come Wednesday next week the neighbor's son will be homeless, and is friend he was renting with who owns a one bedroom flat which he was renting out is going back to it. The major problem is in late 2014 my neighbor's son (I don't want to go into the ins and outs) ended up with a electronic monitoring tag for homegrown for himself. He cannot afford to find a lump some to take
  17. http://www.dailymail.co.uk/news/article-2845714/Newborn-baby-boy-dumped-drain-cyclists-heard-crying.html
  18. My wife and I are renting and we've had several instances of anti-social behaviour in the immediate area recently. Last week a car was set on fire right outside our house and last night 2 more were burnt about a 50 yards away. I thought the first might have been an accident but with the other 2 going up I'm guessing it's deliberate. We've also had a couple of letters from the police asking for reports of anti-social behaviour in the street and to attend a local meeting about the problems where we could voice any problems so it is a known trouble spot to the council and police. Our tenancy
  19. Hi all, I am desperately in need of advice because I am unsure where to go from here. Back in 2011/12 I was unemployed and so tried to claim council tax benefit, due to the length of time that it took to sort this out I continued to pay my council tax during this time from my savings. When the savings ran out I couldn't pay it but around the same time I was granted the council tax benefit which when credited to my account resulted not surprisingly that I had overpaid quite significantly. In the next council tax bill for 12/13 there was no mention of this overpayment and so I write ba
  20. Government have announced that ATOS will be ending their WCA work before the contract runs out in May 2015. Sounds like it will be happening in the near future. No more details are known at this stage.
  21. Hello, I have had a letter from the DWP telling me that my JSA is ending in 3 weeks because my entitlement has run out. I have not got a job and I don't know what to do now. They say I may still get housing benefit and reduced council tax but I will have no income to pay my share of the council tax. I have a one bedroom council flat. They say I can appeal. I am really trying to get a job, but so far no luck. Do I move to another type of benefit now? Thanks in advance for any help.
  22. Well my esa (contribution based) is ending in april after paying in for 30 odd years, just before it runs out my appeal will be heard which has taken about 10 months the best I could hope for was to be put in wrag as I`m not in an iron lung. I will not be able to claim esa because of my o/h earnings or jsa as I am unfit for work so do I soley have to rely on my o/h to keep me? or is there some help I could receive so I could help towards living costs ( o/h salary about 24k)
  23. Hi There, I hope i'm in the correct place with this! I will try and keep this as short as poss but its been going on for nearly 2 yrs now so maybe long winded! My husband and I have a current loan with WFS - this is a joint loan and we have claimed the PPI on this which has come off the balance. Prior to this my husband had a loan with WFS, that we were informed was sold to him, along with PPI, by Bright Finance - a claim for the PPI has been with the FSCS for the past 2 years as WFS are being as difficult as possible and dragging things out. We applied for a SAR last ye
  24. Good Morning, I wonder if you knowledgeable can help me out with this one. I am currently house sharing with childhood friend of which I have recently fallen out with. We've been in the property since May 2012. We initially signed a 12 month lease on the property. Since being in the property there are several things I am unhappy with. Probably the thing I am most unhappy about is my housemates inability to pay his share of the rent AND he seems completely uninterested in sorting out his Housing Benefit. He is unemployed also and has made no effort to look for work nor even do ch
  25. Hello everyone. I am looking for some help on a secured loan (second mortgage) with GE Money.... The loan was taken out mid 2005 for consolidation of credit cards.. Figures are: Amount Borrowed £44,800 fixed at 6% above base rate over 180 months less Broker Fee £500.00 less PPI £4800.00 (yes, we were told we had to have this in order to qualify for the loan!) Processing Fee £500.00 Amount Received £39,000 Monthly payments have been maintained to date, albeit many times payments late so there are loads of charges, (approx £3000 + interest on charges of £800!
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