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Found 11 results

  1. Hello, My Housing Association has informed me that they are applying for a warrant of possession due to the continuous climbing of my rent arrears. The current arrears is at £3485 (I know it's high). It got this high because of issues with Housing Benefit (it got stopped). This was a big hit and I wasn't sure how to deal with this. I was not immediately aware it was stopped. I'm only now just recovering from that and will be able to make monthly rent payments again to compensate for the lack of Housing Benefit. I'm a full-time student and the University have giv
  2. I (and my now ex-husband) had a house repossessed back in 1998. There was negative equity of around 25k. I made a full and final settlement offer of 2.5k which was accepted in July 1999. It was paid and I had a letter confirming the debt was settled. I cannot find this letter. 19 years later with no contact from them whatsoever, both Halifax and Moorcroft write me letters. Moorcroft have asked me to pay 18k. Am I right in thinking that as no contact has been made for more than 12 years, that I do not have to pay? As iy was full and final anyway, surely yhay co
  3. Going through the process of remortgaging my old house, and a question has come up from the conveyancers about a charging order. The wording from the land registry is: "Equitable charge created by an order nisi of the Luton County Court dated 22 July 1996 in favour of American Express Europe Limited." I have a vague memory of once having an American Express card, it obviously must be that though a Companies House search for the company name has it ceasing to exist on the 12th June 1996, probably is the American Express and they just changed their name. Otherwise, I have no more infor
  4. I wondered if I can seek advice? Iv had an RBS since 2001 and kept it in good order, however in 2011/2012 I had 1 missed direct debit and this is now how the account stands on my credit file Date of default 31/10/2012 Default balance £ 721 I wrote to the bank in 2012 and also wrote to Financial ombudsman but I only ever received 1 letter back from the bank to say that these charges had not been unfairly charged. Recently the same thing has happened to my partner. He was with Santander and the
  5. I spoke to the team at knowhow in sheffield today on the issue of my broken laptop. To cut a long story short I spoke to an operative who was in effect acting as a go between, relaying info to her manager then back to me. An issue came up regarding collection of the product and I asked to speak directly with her manager. A man came on the phone and announced himself as "chris". He then proceeded to be very rude, talking over me, being extremely agressive and bombastic, he would not listen to my case and just kept repeating the same phrase ov
  6. Hello, My girlfriend took out a phone contract with O2 and lent the phone to a friend as her father bought her another (long story) the friend then stole the phone and sold it (police couldnt do anything as the phone was lent ) And it had just gone over the 2 weeks so the contract couldn't be cancelled. My girlfriend then lost her job so couldn't afford to pay the phone contract, and is still unemployed with no income. She received multiple texts and phone calls of fredrickson which she ignored, they then sent a letter demanding payment which she didn't reply to again
  7. Hi all I am an only child with elderly parents. My mum has depression, i have quite bad anxiety & my dad has just had a heart attack & is in hospital awaiting Angiogram & after either a stent or surgery. A very worrying time that is affecting my mum's depression & my anxiety. We all kind of care for each other at normal times & i help out a lot, but am not an official carer. This morning i've received ESA50, perfect timing hey! So now i've got the added stress of filling that form in. I have filled it, or similar in before & not had to have a medical as
  8. So the latest [problem] from the fantastic team at Currys PC World Knowhow. I phoned the team on 17th September. Told them that my cat had knocked my laptop out of the windowsill and damged one corner resulting in a dead HDMI port and audio wasn't working. I was told to take it into store and it would take around 5 days. I took it to the store, told the guy there same thing and he checked the damage and said it would be no problem. I then left it til 20th and called the team to see what progress was being made. They told me it had not been picked up and was not goi
  9. Okay, this is what happened - Apologies if it's a bit long! I phoned my GP Surgery to see about getting a prescription renewed and the Nurse said she would 'squash me in' to see a certain GP - ''....but he won't be pleased at having an extra one....'' (her words). So, the minute I walked through his door, I sensed he wasn't in a good mood (at having an extra patient maybe?) Boy was I right! I quickly spoke about my repeat prescription review - I didn't want to take up too much of his time and then when he said '' is there anything else...'' I mentioned that I might
  10. This could give someone a heart attack: http://www.youtube.com/watch?v=7N5OhNplEd4&feature=g-logo
  11. I have been with Npower for several years now, I live in a three bedroom ex council terraced house with no gas supply so everything runs on electric. I have 2 meters, a standard rate meter and a low rate meter - this goes through a timeswitch. When I moved into the house, I had been on a prepayment meter for several years and then for a few years paying via direct debit, and I believe if I remember correctly that I had an opening credit balance when I first moved in. Since then the monthly direct debit charge has increased exponentially, unfortunately I dont have old bills to hand b
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