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About Me


  1. I'm trying to give up smoking, I'm using a vape pen which helps most of the time but at other times I get so stressed I will give in and buy a packet of cigarettes. I'm disabled and housebound and felt that cigarettes were my only enjoyment I had left. I'm really trying hard to give up not only for health reasons but it is so expensive, I'd appreciate any suggestions to help stop me giving into temptation when I get stressed out.
  2. I received leather sofa from Sofology, financed with an Int. free loan from Barclays (Partner Finance) Hours after delivery, it became obvious that the sofa had manufacturing faults (different cushion front panel heights, and inadequate partly filled cushions to the seating area. Raised a complaint (!) and provided photo/video evidence....asked for correction or collection! Initially fobbed off, told there was nothing wrong. Persisted, and 3 weeks later, I appear to be dealing with a senior colleague, instead of the 11 or so 'Tom, Dick and Harriets' that I had encountered in a se
  3. My daughter has been offered a job as a PCSO, her training is to start on the 8th of January. For the past 2 weeks she has been trying to hand in her notice but kept getting 'we are busy at the moment, we will get back to you tomorrow' and as you know tomorrow never comes. I told her to just print off a short letter...I am giving notice from..... and hand it to her department manager which she did on Friday, but she is worried that they are going to make a fuss and try to stop her finishing for the 8th of Jan! She is worried that no one has got back to her, also she is unable to
  4. I wonder if anyone could answer a query about tips. My brother in law is working this weekend at a famous racecourse parking cars for the attendees of the racing. He is working as a temp for an agency. He was told he would get an hourly rate plus he could receive tips. Whilst working the supervisors (not from the employment agency) have told him any cash tips must be handed in and will be given to a charity. He wants to be honest and has sometimes been given tips of £20 in cash but has to hand in. Is this legal? It is virtually minimum wage and the tips (which r
  5. Heres one for you. Am i able to give more than the required length of notice to inform a company I am leaving them? IE 2 weeks instead of 1?
  6. Hi all, I wont give you my life story but I work in sales and recently decided to move jobs. I gave my notice 10 days ago and it seemed to be on good terms. It's a small business so I've been close to the boss for 3 years and was till today. Anyway, today is pay day, at 720am I receive an email stating that I wont be paid commission now that I have given my notice. I reacted in the expected way and challenged that, his response was, no no, just that cash flow is bad, we'll pay you next month, after youve left. He has a history of not paying people as theyre leaving, so I'm expecting
  7. Hi does anyone have any email contact details for he aqua credit card - i want to contact them about a debt I have with them and try and sort things out but they only supply a postal address or phone number on their site
  8. Many posters on CAG give great advice, with so many posts to read and so many replies to make, then all those threads to read and catch up on, how do you actually feel when the OP comes to update their thread and to ask Admin to rename their thread **SUCCESS** How does that make each and every one of you feel? knowing you helped in some small way in making the day to day lives of posters liveable again? I remember many moons ago coming to CAG asking for help having no idea where to turn or what to do! Spending many hours weeks and months learning law and how it worked, then fin
  9. Whilst searching for my usual weird things I was searching and found that Sussex Police are stating that an EA can still enter by using a window, shame they have this so wrong, maybe a quiet word in their shell like would be great, see the bailiff section on their site or read here ... The link was edited by the system so have used this link instead http://www.sussex.police.uk/admin-section/search.aspx?searchtext=bailiffs They have posted up some allegedly useful info for those facing an EA, this is the first time I have seen this on a Police website so I will see how many oth
  10. Have just recieved letter from virgin about their unlimited sim deal. They are saying we are no longer offering the unlimited sim deal as it is uneconomical for us. They are saying keep the phone. they will down grade tto unlimited minutes and texts and 1bg of data and keep the tariff price the same. What are they doing ?
  11. I have been smoking for five years and haven't managed to kick the habit what would you say are the best ways to quit?
  12. Hi, All I have not received my P45 from my employee from over a year ago. I asked again yesterday and they said go through a solicitor and they do not want to talk to me. It states on the HMRC website that your employee must give you your P45 by law. I do not think it is fair to go through a solicitor and pay out money to get it. Is there another option for me to get my P45 because the amount I earned is different from what they submitted to HMRC. They said they paid me a wage that works out almost double my original wage and two payments in month. No money went into
  13. Normally I wouldn't start a thread but this particular subject lies very close to my heart having lost my daughter this year a few days before she was born. The general gist of it all seems to be that NICE are of the opinion that for low risk pregancies, it may well be safer for mums to give birth at home. Up until the day we found out our daughter had died we were smack in the middle of the 'low risk' category and expecting a very normal, healthy little girl, The link to the BBC article is here:http://www.bbc.co.uk/news/health-30206540 My views, for what they're worth, are that
  14. HSBC letter advises me my small debt being passed to Marlin. (OK) Letter alswo says Marlin will set up direct debit from details passed to them by HSBC and I do not need to authorise it! Surely this is illegal and tantamount to fraud. I complained by phone and advised them they were not to divulge my Bank details. I have now also cancelled my direct debit to HSBC. Which bodies can I refer this practice to?
  15. Hi, lowell recently sent me a letter asking if I lived at a certain address in "wIles" I didn't, I lived at the same address in wAles (an important typing error on their part). So I ignored the letter. A couple of weeks latter I recieved another letter (This time from "RED") stating "lowell portfolio 1 ltd did not receive payment from you for your outstanding balance" I emailed red the following, along with my refrence number I have no record of oweing lowell portfolio 1 ltd any money, niether do I have any record of them asking me for money. Please can you provide the follo
  16. Can someone point me in the direction of a letter/template i saw quite awhile ago on here, im looking for the one which says about NOT giving a debt collector sensitive information (im trying to set up a payment plan and they have asked for EVERY detail of my illness and income etc) i refuse to give it to them, as i dont know where it will end up, but im sure there is a much better worded letter on here somewhere just cant find it! thankyou
  17. Hi folks, any advice on the following would be appreciated, sent a claim in to CitiFinancial for PPI refund, they have agreed to refund approx. £800. However they are now saying that they notice from their records that my address has changed. Ive very recently moved back home to my parents so cannot provide them with current bills, council tax etc which they are requesting. However I am positive that I gave my parents current address when I took out the loan for which the PPi settlement has been agreed. MY parents are willing to provide the details they r
  18. Morning all, Now while I am technically competent I find myself with an issue I am not sure about. I bought a Pomp W89 quad core mobile from a seller on Ebay. It is a Chinese knock off and looks good. This is the phone and the seller in question. http://www.ebay.co.uk/itm/Dual-Sim-Camera-Cell-POMP-W89-4-7-Quad-Core-WiFi-Smartphone-Android-4-2-Mobile-/380786054168?pt=UK_Mobile_Phones&hash=item58a89e1418 My issue is, the GPS does not work! After I contacted the seller he (I assume) replied with this I had already done this so I replied saying it still wa
  19. Hi everyone it is my first time posting so I hope I am on the right forum. We have been paying a secured loan with Citi for years (2006). In 2009 it went to a suspended repossession order and since then we have never missed a payment even though it has been a struggle. A few weeks ago I received a handful of annual statements from them but did not really know why they had sent me them all in one go. On Saturday 4th January, we received the following letter: Account number is **************** Further to our recent correspondence regarding annual state
  20. hi i am hoping someone can just double check some wording in a contract .my wife is leaving her place of work and has been offered a new job her contract states what we believe is that she has to give a months notice which is fine..but she has been there alot longer and the contract sort of sounds like she has to give 3 months notice.. below is word for word what it says .your employment will be subject to the following periods of notice:after 4 weeks employment-1 weeks notice. after 2 years employment-1 months notice to terminate your employment. You are entitled to receive the following
  21. Hello, my 1st post on here. Some time ago I was contacted by Link Financial regarding "debts" they had been given by MBNA in my name. This was regarding a couple of credit cards I'd had & after some rather unpleasant dealings, including constant phone calls & even one made to my place of work I relented & entered into a payment schedule. A couple of years or so later I was advised by a friend that I could go with the CCA route so I did. All I have received in reply to my requests have been photocopies of application forms & what I'm told are "reconstitut
  22. Hi all! Need a little advice if possible please I hope this is in the right place and as always feel free to move if not. I have a house I let out, putting this as simply as I can, three people sharing and one becomes a nightmare for them to live with, so want her out, she gives me notice, but on moving out she causes damage to the house, she admits to this in front of me, a witness and another tenant and I make a guess at the cost to repair the damage. She asks if I can get an estimate in writing so I do, and it comes out higher. Hear nothing, she then emails me saying sh
  23. Hi We have been in our current home 4 years. When we moved in no windows opened, we asked for them to be opened....2 years later the landlord opened the bathroom and bedroom window. The rest in the house are still painted shut. In the meantime the bathroom, with no air, has got disgustingly damp, mouldy, and peeling paint. We have just handed in notice and landlord states the windows were painted shut on purpose to avoid drafts through single glazing!! Also, in my notice letter i said i could not remember seeing an inventory when we moved in , as i had with past landlords, and in his res
  24. Hi, I gave in my notice to quit my flat, as required, two months prior to leaving. My landlord has now advertised the property with various letting agents. However, the landlords have also given out keys to the property to these letting agents, and when asked how many people now have keys to the property, they replied that they don't know, as many of the letting agents are subcontracting advertising of the property over which they have no control. Now letting agents are calling up (mostly with an hour's notice) asking to show people round and saying that they don't mind if we can't b
  25. My current employer has told me that I must give him a date of notice or he will make it for me. I did not want to tell him that i was leaving until i knew more but my new employer requested a reference. Due to holidays etc I have not been given a start date but my employer is saying if i dont give him notice period by tommorrow he will give me notice as he has employees ready to start. Can he do this. I have only been there 8 weeks. I know the 2 year rule etc. anyone got anything else.
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