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  1. I was talked into signing up with Future Comms (future-comms.co.uk) who cold-called me to change my mobile contract to them, via 02, rather than EE. I have a small business (only me!) and it's a business contract. True, the 4G network is better for my area. This company seemed to be a marketing set-up for various telecoms companies, so I assumed anything I signed would be with 02 and didn't think it might be a problem. They sent an email whilst I was on the phone to set up the direct debit mandate with my bank which I signed electronically. That was the first, of many, problems I found. A
  2. I was a dual fuel energy customer of Future energy, joined them in August of 2016 I provided them with accurate usage figures for the previous twelve months and they set my monthly direct debit figure. Service wise it was poor from the outset their web site never functioned, just constant messages saying they were working on it and the service would be available soon. Unable to access bills on-line I was reliant on paper billing and in May 2017 even this stopped! I telephone Future on numerous occasions to express my concern that I was not receiving bills and
  3. Hi all, we were Future Energy customers, before they folded last year. Shortly before the collapse, they fitted our home with smart meters. Now I was never happy with the gas meter and how it didn't fit in the existing box, resulting in the lid being left unlocked and open (see photos). Now we have been moved over to a new supplier (Green Star Energy), I am wondering whether they are liable for rectifying the problem? If not, who is? Thanks,
  4. 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
  5. Update on the future of DWP jobcentres READ MORE HERE: https://www.gov.uk/government/news/update-on-the-future-of-dwp-jobcentres
  6. Update on the future of DWP jobcentres READ MORE HERE: https://www.gov.uk/government/news/update-on-the-future-of-dwp-jobcentres
  7. Virtually all automakers (except for Tesla) are asking China to slow down electric car mandate. The auto industry is once again attempting to slow down the rollout of electric vehicles. Virtually all automakers, except for Tesla of course, have sent a letter to the Chinese government in an attempt to have them drastically weaken their zero-emission vehicle mandate. As we previously reported, China, the world’s biggest car market, has somewhat of an aggressive ZEV mandate that would force Automakers to have zero-emission vehicles (ZEVs) represent 8% of new car sales as soon a
  8. Business Tips-Have You Got Any For Newly Self Employed- Good morning old Tawnyowl here i hope you are enjoying your weekend. My brain does not seem to want to relax,full of ideas,some may think rubbish. The Entrepreneurs Of The Future. Can you offer them any advice from your own experience. Donate a little time to help others. Well i have tried all my life to make it big. Enjoyed the ride,the nearly man.But how do you class success. Are you happy to say i managed to bring my family up,provide for them,create a stable home.Worked hard all of my life. Time goes that fast
  9. With developments coming to light, I think it worthwhile that this get a thread on its own, initially at least focusing mainly on the realities of the UK's (LOL a misnomer for starters) nuclear industry rather possible options which probably should have been taken decades ago. Toshiba Westinghouse and parent Toshiba company Japanese owned part of our sold of Energy and nuclear future, which is Bancrupt and was anyway without an on time or on cost build to their name EDF French owned part of our sold off Energy and nuclear future which does not have and on time or on cost b
  10. Elon Musk moving on with energy technology http://uk.businessinsider.com/why-im-buying-a-tesla-solar-roof-2017-2 http://uk.businessinsider.com/tesla-solar-roof-photos-features-2016-10 http://uk.businessinsider.com/elon-musk-says-tesla-to-offer-solar-roof-on-cars-2016-11
  11. Theresa May has just finished delivering a speech setting out her vision for addressing mental health issues. Any cause for rejoicing or should we be concerned? Discuss. Health Secretary. Hunt. Delivering a speech later today on the same subject.
  12. http://www.bbc.co.uk/news/world-us-canada-38164590 I probably would have ... But I hope I would have had the kokum to pull my hoody up...
  13. Hi, I've had a read through previous posts and was hoping for some advice on our current situation. We entered debt management plan in Jan 2013 (70k credit cards & bank loans). Never missed on mortgage payments (1 residential & 2 buy to let) and these are currently up to date. We have a couple of properties which have finally increased in value and are hoping to sell this summer and get back on track. Our DMP has always been up to date. We were wondering what our chances were of obtaining a mortgage in future once we come out of the plan. Both of us
  14. Hi All Is there a difference between a court hearing for Possession and / or Repossession its probs a silly question and I know the answer but I ask because I have just recieved some paperwork re my court appearence on Monday 6th Dec, hence the title O M G. Mr Very Worried at the momment however I am sure that will change in the next few hrs.
  15. hi all, apologies in advance if posted in wrong place or incorrectly. I had a secure loan with future mortgages and that in turn was sold to engage credit which has been sold to Skye loans. Are they allowed to do this ? and is Skye loans a mortgage company? I cant find much info on them at all. Also I had PPI with Future and want to reclaim but not too sure how to or who to at the moment. Any assistance would be welcome. thanks Highjinks.
  16. Hi all, I have been trawling this site for a while hoping to find an answer to my issue, but nothing with the exact specifics and was looking for some advice. Over 6 years ago now, I was forced to leave my job (long story that is out of the scope of this query!), meaning I was no longer able to afford the lifestyle that I had bought into. Hence, credits cards, loan and car were the victims, and I unfortunately defaulted on all (5 debts in total, to the tune of approx. £20k). The job market being the way it was, I found no further work, and decided to try and enhance my
  17. Hi all, In the next few months I'm going to order a new car that I'll finance through Hire Purchase, arranged through the manufacturer (BMW). That decision is based on having discounted PCP as a viable option for me given the mileage I cover. My question is what pitfalls are out there to watch for when arranging HP, for example, is it possible for a manufacturer (or their credit partner if they do things that way) to write into their terms and conditions anything that would make VT impossible? Or, is is possible for some alternative form of finance to be sugar-coated as HP when in fa
  18. Future changes to benefits This is a rolling timetable of expected changes to the benefits, tax credits and social care system please see below for the link... http://www.disabilityrightsuk.org/how-we-can-help/benefits-information/timetable-forthcoming-welfare-benefits-changes
  19. There was a BBC2 programme on last night, now available on i player, showing the BMW Mini production plant, where they have over 1000 robots involved in production. They also employ 4000 people as well, to do the tasks that robots cannot currently perform. The question is who will be the future consumers buying products made mostly by robots. With humans being made redundant by robots, there will come a time when there are insufficient people with enough money to buy the products. The companies investing in too much robot technology to replace humans will also reduce the size of the mar
  20. i had a bad debt on a credit card from about 2002 that due to a real bad relationship split went unpaid. since being single i have never been more than 20p overdrawn since. i'm now in a position where i need to purchase a reliable car for work and dare not apply for credit. would it be possible to get car finance with this sort of credit history ? thanks in advance
  21. Hi everyone Firstly, a big thank you to the forum admins and moderators and all those who are offering such valuable time and advice to all of us in our times of need and often despair. Sincerely thank you. So my story.... I used to work for HBOS plc (Halifax) as an IT specialist. In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. So the debt sto
  22. Earlier this month there were some stories on SCOOP about Caterham cars (Formula One racing) after an huge amount of goods were seized and removed by The Sheriffs Office. Another report on the front page of SCOOP today 'appears' to be saying that Caterham's future in Formula One appears to be safe. From the report today it would seem that the Sheriffs Office may not be able to sell the goods seized (this would include the Caterham Formula One 'rig car' that is rumored to be worth a great deal of money..... http://www.theboltonnews.co.uk/sport/11548896.Caterham_not_under_threat
  23. After banking scandal, the Co-op wants to sound out the public on the dividends and whether it should continue to make political donations. The Co-operative Group has launched a wide-ranging poll about its future, including whether it should keep making political donations of up to £1m. In what is thought to be the first survey of its kind, the group is also asking the public for its views on the dividend paid to its members and on what it can do to help local communities following a series of scandals inside its banking arm. Euan Sutherland, chief executive of the Co-op
  24. In January 2011 i went to court after falling into arrears during a serious illness, a suspended repossession order was placed on my property after i had repaid 3/4 of the arrears prior to attending court and a payment plan was agreed via the courts. At the time Wragge and co were the legal reps for future mortgages. There were numerous issues regarding the handling of my case via the solicitors as payments went missing and months later were found in their holding account, I also questioned why my account balance never appeared to reduce also a number of medical
  25. Awarded future costs for one years worth , , , but then u might have a new job one month after being awarded that. do u get to keep it ?
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