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About Me


  1. I work for a large national company and am facing a disciplinary due to absence. The company policy is if you are off 3 times or more or off for 3% or more of your total work days in a 12 month rolling period it triggers a disciplinary. I have been off on three separate occasions and a total of 20 days which equates to 9.85% of my total days. On each occasion I have gone through the correct reporting procedure and obtained the relevant doctors certificates where necessary. I have been informed this morning that I will be invited to attend a disciplinary hearing and it coul
  2. Debts to hand: HSBC Loan 4,408 Sainsbury Loan 22,271 MBNA 6,453 Overdraft 5,000 Barclays 3,400 Never defaulted historic I have now cancelled all DD and moved some funds to a neutral bank account. Overdraft already sent first message of daily fines etc etc. I have been doing my research and had already applied to SC DMP plan. After further reading I intend to delay this for 4 months to allow one a emergency egg to build and two allow some room for some of these lenders to default. Am in a position where I could be saving 1k a month while not paying
  3. Hi Cabot /restons are taking me to court tomorrow for an unpaid credit card debt. Card was started in 2002. Debt was built up whilst receiving treatment for prostate cancer because I ran my own small limited company. Although the card was registered in my name, The card was used solely to pay business debt and that business folded some years ago. Lloyds TSB sold debt to apex management who in turn sold on to Cabot but I have no evidence of Cabot purchasing from apex. Restons tried taking me to court in Northampton last year but it was stayed because they could not p
  4. Writing on behalf of partner Employment Start date Jan 2016 At time of employment a disability was disclosed at the screening process and a full assessment was carried out by the DWP access to work team who advised a footrest and cushioned adjustable chair for the sciatica. The employer employed on this basics. A year into the employment no support or help has been provided by the employer and to date no specialist chair or footrest have been supplied. The employer is a national company and the working environment is high paced, at times when the employee has been in pain
  5. Looking for some advice, Wife works in a primary school and has been late on a number of occasions 15 in total since Nov 15. most of this has been due to our daughter now 2 having problems with nursery attached to the school she works in. Headteacher pulled her into the office about it and gave her a management instruction and told her if she was late again it would go to a disciplinary. She explained to the headteacher that she was actually waiting to speak to him about the times. she said someone had been altering her signing in times on the fire register giving and example of
  6. I am helping someone out. This one is abit over my head. Tenant took out a tenancy with a relative and also payed 1 months rent in advance and deposit of £900 ish. So far no payments have been delayed etc or have been held back. They moved in approx 3 years ago. As soon as tenants family moved in they took pictures of things that needed doing or proof of what condition the house was in. The landlord has been cooperative upto a point. Problems that have started to arise are : Floor boards creeking(loudly) : Steps moving up and down when used in stairway. : Several places wher
  7. I bought one of these cameras. http://cycliq.com/product/fly6 It arrived last week. It took only three days to arrive all the way from Australia and somehow managed to escape the notice of customs so there was no duty to pay. It certainly a bit on the pricey side – but in the last four years I have had two occasions where I have been riding in a narrow road and have been hooted by impatient drivers and eventually deliberately rear-ended by them. One of them was a taxi driver who reversed away when I got my phone out and try to take his picture. The second one was a driving in
  8. http://www.dailymail.co.uk/news/article-3133755/Millions-facing-junk-mail-deluge-Secret-Royal-Mail-plan-deliver-marketing-letters-shoppers-simply-click-product-online.html
  9. Hi All, Came across this article and thought it might be useful. . Where are we heading? Please find it at the link below Dot http://www.msn.com/en-gb/cars/news/tax-disc-loophole-leaves-angry-drivers-facing-massive-fines/ar-AAaMvme?ocid=mailsignoutmd
  10. Restons solicitors acting for Marlin capital recently agreed monthly payments via ccj which have been kept up to date, but now I have just recieved a letter from Restons stating an interim charging order has been obtained and they have sent me a copy of the application. Surely they can`t do this unless payments are missed? I have rang Restons and they say the letter was sent out as matter of course, and agreed no payments have been missed. But now im worried whats going to happen next. Can anyone please advise me what if any action I can take. Thank you
  11. Hello For years I have buried my head in the sand and hidden from my debts but I am finally facing up to them and I would really appreciate advice on how to sort them out. I have got a copy of my credit file, and these are my debts: DEFAULTS Sept 2009 Look Again £82 March 2011 Payday Express £575 July 2011 Lowell £759 June 2013 1st Credit £707 June 2013 Lowell £807 June 2013 Express Gifts £667 Sept 2013 Provident £385 Dec 2013 S&U £345 I am currently not repaying an
  12. I run a small business that prints a free local newspaper which is funded by advertising. We were using a freelance salesperson to sell the advertising for us and they were paid commission only. We have now found out that the salesperson was quoting grossly inflated reader numbers to advertisers in order to get them to sign up for advertising. Basically, misleading them, or deceiving them into parting with their money. We recently parted company with this salesperson acrimoniously as there was a grievance, and now they are informing the advertisers that the figures they quoted to them were wro
  13. Good evening all. I'll be brief. We've rented a property last year, and a couple of times had a representative from GE Money turn up and inquire about the landlord, his whereabouts and so on. Eventually the same gentleman warned us from march last year until now, the landlord has only paid about £480 towards the mortgage of the property we went. Today we had a letter come through advising the landlord a court date will be set in the coming weeks and to prepare for it. He gets all his post delivered to our address and this one was already open, so I decided to take a peek (yes
  14. My loan is due out 10/1/14 Im going to default and offer to pay back in 3 monthly payments 2 small and one large amount in march when i get my bonus My question just to make sure: am i right to pay my wages into my new santander current account due end of the month and do i close ( which i dont mind) my 2 other current accounts barclays and natwest ? That way even though theres no money in the accounts and no overdrafts fac, so am i doing right by just closing those account( wonga has both their details im afraid) The debt is £1300 im going to offer £50 this and next month and t
  15. I have been suspended from work under allegations of theft although I haven't actually been seen doing anything wrong. I was lured to my work place under false pretences . I was telephoned my manager asking if I could come and do him a “huge favour” as he couldn’t locate vital information for the internal audit “because you’re a star and you will find everything much quicker”. When I got there I was called into the office alone, with 3 men, the door was closed behind me. I was then told by The operation manager that he needed to ask me a few questions regarding missing appliances. As I thought
  16. A former relationship manager at Royal Bank of Scotland is facing a possible jail sentence after pleading guilty to two out of three counts relating to a £3m mortgage fraud. The case, originally brought before the Old Bailey in October, involves two former RBS executives, Andrew Ratnage and Raymond Pask, who are accused of inflating valuations on a series of properties and obtaining mortgages worth a combined figure of over £4m. More: http://www.mortgagestrategy.co.uk/news-and-features/latest-news/ex-rbs-manager-facing-jail-term-over-3m-mortgage-fraud/2004198.article
  17. Tougher controls on payday lenders could see unlimited fines for companies which break the rules amid claims some are even lending to children. The Financial Conduct Authority (FCA), which will take over regulation of consumer credit from the Office of Fair Trading (OFT) in April 2014, said the sanctions were among a host of proposed new rules that would go out to consultation. The organisation, which will cover tens of thousands of firms offering services such as overdrafts, credit cards and debt advice, was formed six months ago with the promise of strengthening protection for consume
  18. my employer over the past 4 years has carried out two enhanced CRB checks on me and all has been fine. My employer has never had a complaint about me and I have been an outstanding employee. Recently after a meeting with an external agency they have been made aware I had two allegations of assult on my CRB and these go back 4 plus years. Both cases were dropped and not proven. They were false allegations against me. My employer was never concerned before and had the information but now that some external agency i.e police or social services have raised it with them they are pursuing it and I a
  19. I was absolutely shocked today when I went to sign on JSA to find that my benefits advisor suspended my payment and referred me to a decision maker to decide if I am to be sanctioned for 4 weeks for not convincing them that I was fulfilling my JSA agreement. The problem was because I only took action on one of my three chosen jobs, because I have been trying to teach myself a bit of graphic design and get into that, so I've applied for loads of jobs but mostly in that area. i am still looking for other things, but just decided to have ac rack at getting into something that I liked doing,
  20. Hi all, Long time lurker and reader of these forums, I've finally taken my head out of the sand and stared reality in the face. Thought I'd share my story to get it off my chest a bit and hopefully get some useful and practical advise along the way. Both me and my wife have been using credit to pay bills and other credit for far too long, it has got to the point where we just spend every month waiting for a letter from Barclays telling us that they where helping us out by charging us very 5 days for using our reserve overdarft and then topping back up with cash from credit cards
  21. Hi, I am new to this site, so not sure about where to post my questions...hence putting it into the 'Welcome' section...I have had a very nasty experience with my landlord... i am a student, stayed with a letting agency, last year who asked for a deposit/bond of £400. now when i moved out my deposit has not been returned for 3 months, 2 weeks ago i received an email saying i will only receive back £50 of my deposit. £150 being charged for smoking fine from all 10 tenants in the property, i dont even smoke, can they do this? £150 being charged for cycle tyre marks on a small
  22. I split up with my girlfriend a while ago & my financial situation has got worse. My house which is up for sale @ £76 (worth about £70k-£76k). I have arrears both on my mortgage & secured loan. I have been to court about the mortgage, but I just can't keep up the promised repayments & the morgage company (mortgage express) are going to apply for repossession again (they have done so already but filled in an N244 form & attended court). The secured loan is also in arrears (Blemain finance) are also going to press for repossession. I know the housing market is tough out ther
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