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  1. Hi, I (and my wife) applied for the 30 hours free childcare through the gov.uk website last year. I have been renewing/reconfirming the application details on the website every 3 months, as required. Last reconfirmation was in mid-January, but a couple of days ago, the HMRC have written to me saying the following: "Unfortunately, our checks have shown that you're no longer eligible for 30 hours free childcare for xxxxx because: • from the evidence we hold we have decided that you didn't have a reasonable expectation of your partner earning at least é ú1555.72 (no idea what the s
  2. Free bus passes for older and disabled people protected for the future READ MORE HERE: https://www.gov.uk/government/news/free-bus-passes-for-older-and-disabled-people-protected-for-the-future
  3. After a sibling died the others came together to clear the property with the sibling who is executor. This help was given freely and at no time did anyone mention or talk about getting paid or expenses for said help. Now suddenly an invoice has been sent to the executor for work carried out, this is a proper invoice as person is self employed. But is the executor legally obliged to pay this from the estate? We are aware that once the estate is settled if anything is missed the executor is liable personally. So although this is clearly immoral it's the legal side that conce
  4. BFPOs included in the MOD enduring families free mail service READ MORE HERE: https://www.gov.uk/government/publications/bfpos-included-in-the-mod-enduring-families-free-mail-service
  5. I got out a Carphone Warehouse contract on 14th of December 2017 after much haggling over prices. I called back after ordering it to find out if I am entitled to the free gift as I realised it wasn't mentioned when I took out the contract on the phone. I was assured I would get one sent with the Samsung phone (Free Samsung Gear VR offer). When the phone arrived, no free gift. I called up and was given a link to Samsung gift page to redeem the gift, I tested this out on the phone and the link was expired back in November and I told them this. They then told me it would be sent out on 28th
  6. It's in good condition and has a nearly new battery but I feel like I've had my money's worth from it so would prefer to give it away. Anyone know a charity who would take it? It's in Dorset.
  7. Very good link for free credit report from Martin lewis. Quite recent too not like some of the other free ones http://www.moneysavingexpert.com/creditclub?_ga=2.51313065.101823794.1503503150-982205561.1477396387
  8. Hello! I'm new to this forum so please be gentle! my partner and I moved into a flat almost three years ago. For the first few months we had no boiler, gas, radiators etc as the building is very old. Only electric. The landlord finally got gas installed, so we had heating. Great! Only thing is, the men who installed the gas meter seemingly did not hook us up to the supplier I had requested. ..in fact no supplier at all. Having not had a bill for several months, I contacted who I 'believed' was our supplier, to be told that we weren't on their records. A
  9. Hello I took out a two year contract with EE, in September 2016, on their 4GEE Max Plan, for £45.99 per month. That plan was £5 per month more than the one below it, as it allowed you to use your call and data allowance whilst in the EU. Awesome! Except that when I took out the contract, I was unaware that everyone would be getting EU roaming within their price plans on the 15th June 2017! Called EE and basically it's hard cheese. The only thing they will do is move me to one of their new 4GEE Max Plans and have allowance calls in USA, Mexico, Australia and New Zealand for an a
  10. 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
  11. I apologise if this has already been reported here but I could not see mention of it. I thought it might be of interest. It is a newspaper article about the failure to get out of paying Council Tax by referring back to the Magna Carta. http://www.express.co.uk/news/uk/801648/boxer-jailed-magna-carta-avoid-council-tax-oliver-ringmaster-pinnock
  12. Hello I recently made a Planning Application to the local Council to make some adaptations to our house for a disabled person. On the application form/guidelines it stated that the application was exempt from application fees, if the application was for use of a disabled person. The application was made and adequate proof was provided to show that the person was disabled. The Council accepted the application. However, after a week they called to say that as the Disabled person was not currently living at the Planning Application site , that the application was invalid and the f
  13. Just received Civil Parking charge notice for exceeding allowed duration of stay by 40mins at Lidl. Did not enter car reg at terminal, do not have any shopping receipt either. Says amount due £90, discounted ot £45 if paid in 14 days. It has photos of car entering and leaving site with car reg, can't see driver in photo. PCN issued by Athena ANPR Ltd " the creditor". what do i do? no income, no savings. thanks
  14. Hello everyone! This is my first time and I am happy to join this community of consumers. I have a parking 'fine' by Smart Parking in a retail parking at around 22:5hrs for 10-11min, with a 3hrs free parking but must obtain a ticket. Now it is late at night and the two ticket machines are situated together at one end of the parking which is 50m from where I am parked and as a current blue badge holder , I have difficulty in walking that distance as the place I was going to was less than 50m. Also as the retail park closes at 20;00hrs the car park is virtually empty.
  15. https://www.theguardian.com/money/2017/jan/24/link-atms-proposals-tabled-in-bid-to-keep-cash-machines-free It will be those of us that live in rural areas where banks are closing down that will suffer - if we cannot get into a branch then we have to use the ATMs.
  16. Name of the Claimant: Civil Enforcement Ltd Date of issue: 13th January 2017 Date to acknowledge = 31.01.2017 DAte to submit defence = 4pm 14.02.2017 What is the claim for: 1.The Claimant claims the sum of 248.05 for Outstanding debts and damages including 12.05 interest pursuant to S.69 of the county courts Act 1984. Total debt and interest due - 248.05. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. What is the value of the claim? £323.05 including all costs. Has the claim been
  17. Hi everyone, long time lurker first time poster (Cheesy phrase but meh) Bit of background: 6-7 years ago at the ripe age of 19 and 20, I fell into quite a bad gambling habit and like many around 2010, I got roped in a vicious PDL TRAP! I'm a big believer NOW that at that age, we should not be allowed the credit afforded to us. I knew nothing of the consequences at the time and it took a few years for me to realise how detrimental the effects of bad credit were. I borrowed from Peter to pay Paul as the saying goes, at astronomical rates of APR from all of the lightly reg
  18. Hello, I received a PCN from smart parking on 12/12/16 which states that I allegedly breached the t&c's within the shopping park. Contravention = "over free time". I have read through other similar threads and am planning to reply with the following: xxyyy is not compliant with the POFA so no keeper liability has been created. Do not contact me again or a complaint of harassment as both a criminal act and a civil tort will be made"... as helpfully posted in one of the threads I came across. Just want to know if this is the best thing for me to do please with my
  19. More than 50,000 homeowners have signed up to receive fraud alerts in a bid to stop [problem]mers stealing hundreds of thousands of pounds by taking bogus loans against their properties. The property alert service, offered free by the Land Registry, helps people detect fraudulent activity on their property by sending them email alerts when, for example, a mortgage is taken out against it. They can then decide whether they think the activity is suspicious and can act quickly to alert the the Land Registry, their lender and the police. Property fraud is where fraudsters
  20. Got a call today, the message was made using a automated weird voice. Message was: Reward of £30 in vouchers for Black Friday - all you need to do is provide your signature and name of organisation I volunteered with - to be eligible for the vouchers. the number is 0786-***-1261 maybe belongs to someone else trying to get credit for my work placement?? Anyone else had this at all?
  21. I went shampoo free last year and being a girl, it has saved me a bundle on shampoo and conditioner. What I do is mix a few tablespoons of sodium bicarb with water,pour slowly over dry hair and massage in,then rinse off thoroughly - this cleans the hair and scalp, leaving on the natural oils in the hair. Then a couple of tablespoons of apple cider vinegar mixed in water, and massage into hair bur not scalp - this conditions the hair and makes it easy to comb/brush- again rinse it out well. (don't worry, once dryit doesn't smell of vinegar). My hair (long dark curly) has never look
  22. Elderly parents cold called by British Gas and talked into having Smart Meters fitted with the promise that they could then choose to have free energy either on Saturday or Sunday. Meters duly fitted, told by engineer to call to pick their day, only then are they told they can't have the free energy until they set up an online account. Had they been told that from the outset they wouldn't have bothered as they don't have wifi, don't trust online stuff and are probably beyond learning how to do it now anyway. BG have given them £30 for their failure to mention the online requirement, but
  23. Tesco Direct has dropped its minimum payment charge for click and collect. Until now, shoppers were charged £2 for orders under £30. The supermarket said in February it had to introduce the charge to cover rising costs and was in line with rival supermarkets, which charge similar fees for their click and collect services. But now it says that it wants to give shoppers more choice and convenience, particularly in the run-up to Christmas http://home.bt.com/lifestyle/money/mortgages-bills/tesco-direct-drops-minimum-payment-charge-for-click-and-collect-11364098202576
  24. I have an 18 year old friend who bought a brand new Ford Fiesta in May 2016 on HP. She drove it for just 1 month – in hindsight she feels was shoe-horned into the deal & was given 30 days free insurance by the dealer to get her on her way quickly. The car has been parked up since June (all monthly payments have been made) but no one would insure her at the end the 30 days free insurance period. Yes .. she should have looked into insurance BEFORE signing up (Naïve 18 yr old girl) Does she have any form of re-dress with the manufacturer (dealer doesn't want t
  25. Half of Britons have not made a will, leaving them with no control over what will happen to their assets after they die, new research from Will Aid has revealed. Over a third (35%) of those without a will have children aged under 18, meaning they have no legal say in who would look after their children if they died. While young people are the least likely to have written a will, 19% of those aged over 55 have also neglected to make one, the charity's research reveals. Read more: http://www.which.co.uk/news/2016/09/half-of-brits-dont-have-a-will-452123/ - Which? Will Ai
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