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About Me


Found 14 results

  1. Hi all, I am new to this forum, so please bare with me as I get hang of how it all works. My story dates back to 2006, when I took out a secured loan with Blemain/Together finance for £25k. This was to pay additional bills and to do some repairs on my property. I brought the property in 2003. This was the first time I took out a loan, I had no real knowledge of the best type of loan to choose, which is why I did the loan through a broker, who pass my application to a third party Loan Options, who recommended Blemain finance. They were both paid a commissio
  2. Hello Thank you in advance for any advice on my situation. Between 2009 and 2013 I was registered as self employed, in the earlier couple of years i was going through a stressful personal break up was having problems with work because of depression, also spending my money to go to court of access to my daughter. At the time I was couch surfing and frankly forgot all about tax returns. The HMRC fined me in total £4,524 over this period which I can't afford to pay. I find these charges extortionate, is this even legal for a start? All i did was not se
  3. Hi all I have applied for all my information from Swift Advances, but I think the broker does not trade anymore, so will have to go to FCSC for PPI reclaim I think?. I am not sure how to go about the spreadsheet that is talked about. ...is there a step by step guide, and a copy of the spread sheet? I want to try to reclaim extortionate charges from Swift.
  4. Hi Everyone Im hoping for some help on this please. I took out finance december 2015 on a vehicle, immediately fell into difficulties in January and had the car repossessed. I was in complete communication with the finance company, met the transporter to recover the car and kept talking with them throughout. They explained that there may be a shortfall from the resale of the vehicle which i appreciated I heard nothing for a month or so, but expecting there to be some shortfall emailed the company to find out what happened next . I then had a letter sent to
  5. Hi all, I would really appreciate some advice. My business partner and I run a small business, and cashflow is very delicate. Some time ago we got in some money trouble and an invoice was sold to a debt recovery company. We managed to pay it off (or so we thought), but unfortunately my business partner is a bit scatternbrained with numbers, and paid the incorrect amount. The total outstanding debt was £5,723.96. My business partner sent them a transfer of £5,700, accidentally leaving off the £23.96. My business partner had some fees he wanted to dispute -
  6. Hello I am in dispute with The UW over the erratic and high bills I have been receiving. Since early September I have been emailing the CEO office and trying to sort out what is going on . In the past year my so called smart meter has never been read by anyone other than me and I am not sure how to check it. They send very long wordy emails saying how good they are but do not answer my concerns. Eventually they suggested fitting a test meter. A meter inspector was sent to read my meter and he said that my smart meter was very old and that particular type was unre
  7. Good Afternoon, I have just moved out of a property which has a £1000 Deposit secured against it. When I moved into the property just over a year ago. I was charged Agency Fees and a Tenancy Agreement fee. Upon moving out I met with a member of the Letting Agent to complete the Inventory Checkout Process. This passed with flying colours and they are looking to return all of the deposit, Minus 21 Days Rent (At my request after I needed to stay at the property for an extra 3 weeks). However they want to charge me £120.00 for a Check Out Fee!! I've had a look around and seem
  8. Mortgage Arrears and Simple Interest - Is it fair? Took out a secured loan for £10,000 6 years ago. After initial application was accepted we were offered an extra £6000 which we agreed to. At the time I was concerned that we had been issued with two loan separate loan agreements - I wasnt happy with this and voiced this to the loan advisor and was basically reassured that this was just an administration technicality and would not make any difference. He even sent me argos vouchers as a sweetner. 12 months later my husband left me and our business collapsed leaving myself and 3
  9. Hi All I will not bore you all with the details of my case, lets just say that this forum and advice from certain members have been like "Saving Grace" to me and I feel indebted. I have been granted a "Stay of Execution" for a recent enforced writ to the value of £5,119.15. pending court hearing, which I provided an affidavit with my monthly proposal. Firstly, I would like to ask what to expect from this hearing? Secondly, I have listed a breakdown of fees and wondered if the "more experienced" on these matters would kindly advise whether they feel I am being ripped off.
  10. This is on behalf of a friend of mine. He owned a Classic Morris car which he insured with Lancaster Insurance at the price of £68 for a full years cover which he paid in full. Now he has sold the car and is getting something more modern. Lancaster Insurance told him that if he takes a new policy for his new car then they would waive the £50 cancellation fee but if he takes cover elsewhere they want £50. He was hoping just to transfer the policy over to another car but Lancaster Insurance quoted him almost £500 but he managed to get a much cheaper quote, almost half price, elsewhere
  11. Hi guys, I ordered some things a while ago from America. I was taxed by the customs as the parcel was valued at over £15. Previously, I had ordered similar items (at an even higher value) from the same company but did not get taxed. On this occasion, I received a card saying I had been taxed and that there was a handling fee of £8. I wasn't expecting to be taxed in the first place let alone the handling fee. It seems ludicrous that there should be such a big charge. I don't mind paying the tax if that is what is owed by law but for Royal Mail to profit because something was ordered from a
  12. My son has had a letter from EDF demanding 150.00 or the baliffs are coming 17th December to force entry. They have not read the meter i over 2 years and just provided estimated bills h e has being paying them around £40 per month and now this. I dont know what the correct bill is because it has been left for all this time, I guess it is partly his fault for not being on the ball. He is on benefit and cannot pay them anything untill the 26th when his benefit is due. Don't know what to do when they arrive. Any advice would be appreciated. Regards,
  13. The Government refuses to regulate Payday loan companies. The Government has given the green light to Payday loan companies to carry on charging thousands of percent interest on loans and to bully and threaten those who take out a loan. They have 'refused' to discuss the growing trend and misery caused by this legal rip-off. Jo Swinson, the minister for Employment, Relations and Consumer Affairs said "It makes sense to leave it and wait to see if the companies come up with some voluntary control". What a disgusting statement from some stuck up cow who lives on state money.
  14. Hello everyone, I am new to this forum; thank you for all the information and input. I went to view a property to rent this past week and at the viewing, I expressed interest in renting it. The estate agent informed me to call the office to "stake my claim" to the property and that there would be an admin fee of £250 to draw up the tenancy agreement and to carry out credit checks. She also stated that they, as the estate agents, are actually only in charge of finding a tenant and that once the agreement was signed, our property would be managed by the prestigious estate that actual
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