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  1. Have 69 k of credit card debt, all other priority debts are been paid .. ...mortgage,securedloan,gas,electricity,council tax etc. This debt had built up over time as husband was made redundant a few times in several years. Have still been paying cards, some I have been robbing Peter to pay Paul with. Have defaulted by one month a couple of times but bought up to date. My question is can I ask for a CCA on accounts while I am still paying them or do I have to default and if I do ask and they have proper documentation can t
  2. My partner is a carer. She has been sent to work for a lady who wasn't equipped with the correct device to keep her upright. She fell on my partner and my partner suffered a back injury leading to incontinence, pain and time off work. We took the case with xxx LLP, who wrote a letter to the employer and got a response, offering 4000 pounds as final settlement. xxx advised us to reject that offer, saying, over the phone, that we can always fall back on the 4000, but they believe we can get much more. Since then, my partner has been to Royal Berkshire Hospital, where the doctor said
  3. Hello I hope I can get advice. I took out a secured loan in January 2002 for 8000. I obtained the loan through dial4aloan. The loan was arranged and the lender was endeavour. It appears I also was sold ppi of 1200 added to the loan. Well I am trying to reclaim the ppi. However all organisations are blaming each other for selling it. Dial 4 a loan state they only recommended ppi. Yet the ppi policy is on endeavour paper. Aviva say they have no responsibility either. So what happens when no one will accept responsibility? Thank
  4. this will be a long one so please bare with. I want to make sure i am not going insane as I feel like i am slowly losing my mind where this firm is concerned. Ive seen the others who have been threatened by BW Legal and offered advice, but i think i need some too ------------------------------------------------------------------------------------- In 2012 - I suffered a case of ID Fraud. There was a loan from TMS for £100 I think. I also had another loan taken in my name for £300-odd which is not with them thank god but is with PDUK who are under the same brand.
  5. I ordered a Lenovo laptop from Very in November 2016 for a birthday present in December. It was around £375. I tested it before we gave it to our daughter on December 21st and it was fine. She used it to browse the Internet, watch YouTube and play games. And occasionally used photoshop. Around May 2017 I did a scan using the lenovo help centre application that came with the laptop and there was a couple of hard drive errors. I contacted very and they said to contact Lenovo which I did. They said it was hard drive failure and we arranged for it to be picked up and taken to t
  6. Hi all, Just looking for some advice on what I should do going forward. For the record I am a resident in Scotland. I have accrued around 47k of unsecured debt among six creditors in the UK. 1 Ratesetter £23.8k P2P loan 2 Barclaycard CC £4.9K 3 Tesco Bank CC £5.9k 4 Virgin Money CC £6.2k 5 Hitachi deferred payment £4.5K 6 V12 Secure Trust Bank £1.8K I am now at a point that I am about to start missing payments and will end up defaulting. I have spoken to step change who have recommended a DPP under the Debt Arrangement Scheme as I have a flat with equity that I w
  7. Hello, This is an addition to another thread I had on a £5500 Barclaycard credit card which was transferred to debt collection agency, which I ignored, and have not corresponded with at all. I responded saying that they had given up but I suppose they haven't. The debt gets transferred to Robinson Way, why I don;t know, but then I carried on not responding to letters or calls. Then I get a letter which I open and it says that they will send it to a solicitor (howard cohen) who will take legal action.... Can this solicitor take successful legal action?
  8. Wonga going into Administration. READ MORE HERE: https://www.wonga.com/
  9. Hi - I've recently received three letters from Lowell headed 'Pre Legal Assessment' that goes on to say they are deciding whether to pass my account(s) to their legal team. Has anyone seen these before and should I do anything? I wasn't sure if I should send the Prove it letter or CCA request. They are for CCs and a store card. I have moved since the debts defaulted and they are around 5 years old. I have a scan of the letter with personal info obfuscated if anyone would like to take a look to make sure? I know the legislation for LBAs changed recently, so wasn't sure if t
  10. I am a primary school teacher (year 6) and don't let children go to the toilet during lesson time.
  11. If you are going on Holiday Abroad always check if you need any Immunisation/Medication beforehand for the areas you may be visiting. NHS Choices Travel Vaccinations: https://www.nhs.uk/conditions/travel-vaccinations/ Travel Health Pro: https://travelhealthpro.org.uk/countries
  12. in a few days time we will no longer be entitled to mortgage interest payments, instead what the DWP was paying in mortgage interest payments will continue to be paid however like a load of other people we will have to pay this back with interest, and on top of that our property will be subjected to a charging order. our mortgage interest payment does not even reach £150 every 4 weeks. yet we get stuffed for having our own house, by the way i was in full time employment until health deteriorated and could no longer work. my question is ...how come we have to pay the interest payme
  13. A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin. Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included i
  14. hi. i im a 60 yrs old male.and failed my esa assessment last week ,0 points . i use a walking stick as i have pain in my right leg from motor cycle accident.i had years ago,(leg as metal rod and pins in) i also suffer from nasal polyps nose constantly blocked and running.awaiting another op this will be my 11th op.as they always come back several weeks after, my job seekers appointment for a new claim is tomorrow.just wandering what type of work i should say im looking for, my doctor recommended part time. i can not use the stairs so will have to have interview on ground floor,
  15. I have received my data to see if I could claim PPI and they state it was not applied. Okay but I did incur overlimit fees between 2008 and 2011 which I have not claimed back. Is there any point in trying to claim them back now? There are also entries called 'promotional interest' which are for less than 0.50 a time - might this be PPI?
  16. Hi there all New to the site - but would welcome some urgent advice. I had a payday loan with Uncle Buck back in 2010, which I had to rollover on several occasions because of debt problems. I thought everything had been paid off, I moved home a couple of times, got married, changed banks, got on a better financial footing etc. All ok in the world. My postman has handed in 2 letters today - both are for addresses which do not exist (it's using the area as a street name which is wrong), and which I have therefore never lived at. The postcode & house number is right
  17. This will be a long post, so bare with me on this. A few weeks ago, my mother received a letter from Amigo loans. Strangly enough, telling her to confirm her details for her recent loan application. Pretty strange, I mean we've heard of them but NEVER used them or even been on their site. I decide to ring up, find out what it's about (maybe its a mistake or error). NOPE. They recieved a application from a company called Express Finance. Again, never heard of them. But amigo gave us the contact information for them, and took mum off their system. And
  18. Can some one please advice ? I have just got a letter from a debt company stating I didn't fill in a n56 form ? of which I haven't seen and now they are sending it to my local court bailiffs to serve me with a n61 attachment of earnings order what do I need to do ? can I set up weekly or monthly payments ? Regards Markez
  19. Hi All I bought a 2nd hand Nissan X trail on 13th January from a local dealership. On 6th February I reported to the dealer that the car was making a loud noise from under the bonnet and that the engine management light had come on. We agreed to send it to my local Nissan dealership for them to run a diagnostic check. They diagnosed the fault code as an EGR fault and said that the noise could be coming from a worn turbo. They advised replacing the turbo and intercooler. After speaking with the dealership I bought the car from, I returned the car to them to investigate and they
  20. Where are we going with Renewable Energy in Great Britain Just starting a thread on renewables.Just a few articles. Please add articles and comment if you like.I will add some more articles as time goes by. Had to start somewhere, hopefully with your ideas, knowledge and thoughts, posts we can see what is happening in Great Britain and elsewhere. See where we are going, how we are doing compared to the rest of the world. Who wants it who does not. And for what reasons. Is investment falling or rising? How many jobs being created, things like that. Ever since someone gave me
  21. Hi CAG, Just looking for a quick bit of info. Was placed in ESA Support Group for 2 years from Feb 15 - Feb 17. Obviously we are beyond that date so I'm waiting to hear something any day now. I go away for 10 nights on May 15th (First Holiday in around 10 years) wondering what to do if they throw something in my letter box asking for a re-assessment while I'm set to be away? Am I entitled to go away while I'm in the ESA Support Group and should I inform somebody that I have chosen to do so? Anybody got any idea how long I may be waiting to hear from then as we are
  22. I am a little concerned as I have insured a friend to drive for me whilst I have an ankle injury. We was heading down a dual carriageway where roadworks were happening, lots of cones throughout this 2 or 3 mile stretch which is usually 60 in to a 70mph zone. To be fair he stuck to 40mph for the majority of the road, however there were only three signs stating maximum speed as 40, these were yellow signs with just text and not the usual type, also not the easiest to see as it was raining and there were tons of differing signs. These only covered the first 1/4 of the dual road which had now been
  23. I have drawn a complete blank! It's been so long since I've had to use this part of my brain and I'm not having much luck 1 of our employees who works part time (4 days per week) is going on Mat leave, her last day is 31st March Our annual leave runs from 1 Jan - 31 Dec She wants to know how much holiday she would be entitled to before she goes off Has anyone got a calculator or website I can use please? Thanks
  24. Over the next few years there are going to be some dramatic changes in some benefits, caps will come in and more help to be made available. Full details available here: http://www.disabilityrightsuk.org/ho...nges#early2017 All of this starts in January 2017... 'From early 2017 New Tax-free Childcare scheme aims to provide up to 1.8 million families across the UK with up to £2,000 of childcare support per year, per child, via a new simple online system. Trial start early 2017, with roll out beginning upon completion of the trial. See autumn statement 2016 and H
  25. Please help, I'm so scared that i'm going to prison I'm on ESA and have been for the past 3/4 years. In that time, i've have 3 part time jobs all 16 hours and under and i've declared all of them with a permitted work form. The only reason i can think this has come about is that at the beginning of July this year i was offered a job for 16 hours but was told i'd have at least 1 day extra as overtime. I rang up ESA and told them i wanted to stop my ESA claim. A few days later my mental health went to crap and i told my new boss that i wouldn't be able to do it. She the
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