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  1. Just over a year ago my wife was driving me into town in her car on a day when the ground was snow covered. My wife stopped at the foot of a hill when she saw that a car half way up the hill had stopped and was clearly in difficulties. The car then began to slide back down the hill very slowly and with cars behind us, my wife had no way of moving out of the way. The sliding car came to a halt when it bumped into our car. Driver admitted fault and exchanged details. A few days later got the go-ahead to have the car repaired and paid the £95 excess to the repairers when the repair was com
  2. Hi I am on ESA and PIP. My savings have just gone over the £6000 threshold in the last couple of months. Is it best to phone DWP or should I write to them please? This is causing me great anxiety as I feel like I have done something wrong. I am very thrifty so hardly spend any money preferring to save it as it makes me feel safe to know it is in the bank. I am a very insecure person with lots of struggles with mental health searching for some sort of security. Please advise-thank you.
  3. Its been a long time coming but one of the biggest PDL firm is about to fall. Part of it has to do with PDL Reclaims... This is a consequence of this... Wonga is on the edge. Grant Thornton could possibly assist with the administration. Remember this is a firm who in 2014, was ordered by the City watchdog to pay more than £2.6m in compensation to 45,000 customers who were sent letters purporting to be from law firms but which in fact did not exist. At this time their site is still offering loans. As per usual CAG advice is to stay away... Further
  4. I received a Penalty letter of £100 from NHSBSA all because my dentist registration lady misled me into believing that I was entitled to free dental treatment. I have gone through Stage 1 & 2 complaints procedure to no avail. Now, they have said I can go on to the Ombudsman if I am still not happy. My argument is - I was told I was entitled to free dental because I showed the lady my NHS Medical Exemption Card and asked if being diabetic, was I entitled to free dental as well? The lady said yes I was and asked me to sign the FP17FR form. I signed but didn't tick a
  5. I have an ancient Myjar default from 2012 from when they tried to pursue £1055 against £50 borrowed. It went through a few DCAs who sent standard threat letters which were easily seen off with section 77 requests but no court action was ever taken, and it should have gone SB in March. I was looking forward to it being gone from my file on today's Noddle update, however instead I've found that 1 week before the default reached 6 years, it was suddenly marked 'satisfied' and it now appears as a satisfied closed account rather than having dropped off my file altogether, where presumably
  6. Attempting to put order into chaos, one such chaos is the forest of old paperwork I have on long since gone debts. I'm not talking about anything current (as in live accounts) but more on old credit card alleged debts from the last decade, they are all either settled/done with/stayed or stat barred.... Is there a need to keep all the paperwork to the now stat barred debts? Settled Debts/ done with (old accounts that i've simply closed down) Some of them are stat barred by 6+ years, others 4 years stat barred. I'm keeping the paperwork on all live accounts/stayed accounts as thes
  7. Hi all, Hope I can get some advise regarding a problem we've had with roofers. We are extending our house with two extensions and my husband has done most of the work himself but decided it was better to get a professional in for the roof membrane, battening and tiling. He found a guy on MyBuilder who said he's done similar work and had photos to show, so after discussing costs, we decided to ask him to do the membrane and battens to suit the tiles we had bought, and to tie in the new roof with the existing one. He did this, we paid him and then he decided he was too busy to do the re
  8. Know it may be in the wrong place but it appears that Vivus aren't offering any loans anymore - another one gone?
  9. I need some help. I was very foolish back in November buying an item off Ebay. The item was a supposedly haunted piece of jewellery from a magickal seller. The item cost me £160. Needless to say I am not happy with the purchase and want to return the item, but because its gone over 90 days I cannot open a dispute with Ebay. The seller is refusing to respond to my messages I have sent. Can anyone please advise what I can do to reclaim my money back over an item which is clearly not as described.
  10. As in the title but here goes. Saturday I drove my car 200 miles down to Gloucester to do a deal with a chap that had a van that I wanted for work. In the eyes of we buy any car his van is worth £685 more than my car but we came to a deal that I would give him £1500 plus my car with 55,000 miles on the clock. Since owning that car I spent a small fortune having the clutch and dual mass flywheel done and full service and then also before we did the deal I had all the starter motor changed for a brand new unit, paintwork imperfections sorted as I told him I would and all the wheels refurbishe
  11. I thought I was good at maths but can anyone explain this to me? I have just 1 year and 4 months left on my mortgage. The mortgage rate has just reduced by 0.25% thus my mortgage rate has also reduced fro 3.75% to 3.50%. My repayments were £357.62 a month but have INCREASED to £378.10. That about 6% INCREASE per month. The mortgage company put a note with their letter saying the increase is because I am near the end of the mortgage term but I really do not understand that. If the rate has gone down surely the repayments should go down too. Can an
  12. Hello, probably been asked 100s of times but what are the chances i can get the garage I bought the car from to replace a clutch kit in the following circumstances: Bought a Nissan almera £1495 from a garage 3/8/16. Car started over revving when accelerating in 3rd gear... 6/8/16. 3 days after purchase. Problem quickly worsened and had been over revving in 3rd to 5th constantly. Car has been checked today 22/8/16 , less than 3 weeks since bought, done less than 300 miles and needs a new clutch kit £305. The front brake is also stuck on and i'm waiting to hear how
  13. Don't bother with Saga Insurance. They send me letters offering low car insurance. Initially they quoted £151 for fully comprehensive on my old Citroen Picasso 1.6 petrol vehicle. My car insurance is due for renewal at the end of August. I phoned Saga today to check the initial quote. They now quote £409 and said sorry for the increase compared to their initial quote. I then obtained a quote from the AA which was £152. OK so if you get any letters from Saga offering low insurance, either bin them.
  14. A relative had been renting a house since Dec 2009. She was paying by DD until about 12 months before the end, when the agent started collecting cash, as they had a bank problem. This went on until the end in at the end of April 2016. A mistake there maybe, but he did provide a receipt every time, which she did not keep. Her bank statements will have the DD's on when she requests them. The deposit was not protected, she never knew it had to be, so I checked, it ain't. She phoned him continuously, without answer. When he finally answered, he said it takes 28 days. This has now gone, in fac
  15. I had a Carron woodburner installed 2 years ago,and had nothing but problems with the top plate cracking, and the paint splitting.That was replaced only for the replacement to do the same thing.That was replaced only for the third one to do exactly the same, but on a larger scale. After the Derby Fireplace Company limited sending someone round to take measurements, photo's etc, and emailing them to Carron,they finally admitted that the woodburner was too powerful for the chamber(7.0kw output), and that the woodburner was actually too far back.I was then told that I would be getting a replac
  16. Hi, I hope someone can help me as this issue became rather frustrating for me for the last couple of days. I have been with Vodafone for 4 years (2x24 month contract) and 11th Feb 2016 was my contract end date. I have called few days before the end date to state I want to leave Vodafone to use another provider. At that point I was stupidly fooled into accepting new bundle plan for 12 months and was thinking that I got a pretty good deal with them. That was until I received the email about my new bundle. I realised that what I accepted on phone and what is on the email is very dif
  17. I took my daughter to specsaver for an eyetest i explained to them at the outset that she is vulnerable unwell. Was hoping for some understanding. She did not like the glasses there so asked for the Nhs voucher to take elsewhere They scribbled and changed part of it so rendered it useless. Does anyone know what the rules are? What can we do to help her please?
  18. Hi everyone this is my first post here so ill start at the beginning, when i was younger i had several loans from natwest and one rolled into a bigger loan several times over the years, after contact rbs they said i had 5 accounts with them and that so far they had one loan of £4.5 with an offer of £170 (like 4%) , then another account was 10k with £1900 offered (19%), then an £11k one still awaiting an offer , then an 18k one still awaiting offer. the last one was £1700 loan with no ppi so no offer. Heres where it gets interesting i was sold the ppi as you ha
  19. Another one bites the the dust http://www.credittoday.co.uk/article/18046/online-news/moriarty-law-acquires-assets-of-hl-legal
  20. I purchased a Sony LCD 40 inch TV from Preston Sony Centre, the store closed about 2 years ago. The TV failed just before the expiration of the 5 year warranty.Ii contacted the parent company Sony who told me to take it to the nearest repairer to me. The TV according to the repairer can't be repaired economically as the part is no longer available( although Sony say they will have parts available for 7 years) therefore the whole screen would have to be replaced. The repairer cannot get the parts from Sony and Sony keep telling me that they are looking for the warranty. This has now been going
  21. Hi Guys In 2012 I purchased a car through Carcraft over a 5 year agreement. When signing up, I also paid around £2000 extra for their Drive Happy Package which included MOT's, Services, and RAC Cover for 5 years. Now they have gone bust I've been told they are no longer honouring the package. I was due for my "free" service next Monday. Where do I stand? Do i just have to suck it up or can i possibly reclaim something? Thanks for any help.
  22. Hi, this is my first post. I'm having a few problems with Cabot Financial. In 2002 I had a credit card with Morgan Stanley, everything went well until I was made redundant in 2003. I got into quite a few problems with cards loans etc, as I didn't have enough money to pay everybody. I went to the CAB for help, and they sorted things out for me. I was paying off this credit card at £35.00 er month. I have never had any statements or payment advice from Cabot at all. After I saw your forum late last year, i read quite a few posts and realised I was probably being "Cash
  23. It is common knowledge that clark lost the Honda dealership, at least in Kirkcaldy if not further afield. In todays paper it intimates that they no longer hold the Nissan dealership at least for Dundee, if not further afield. No reason is given for this move. I suggest that anyone who has bought a new or even nearly new car from them and feels they have a genuine grievance, should write their complaint to the UK Managing Director for that particular marque. I don't think manufacturers would want to be using dealers who may give their product a bad reputation.
  24. I did a SAR request on a firm who I had car finance with a few years ago. I have my account number but no other paperwork. I am pretty sure I paid PPI on it as I remember them saying "No PPI No loan" and being very very pushy. The firm is called Private and Commercial Finance, 39 Victoria Street, London, SW1H 0EU. On checking the Royal Mail website, my letter has been returned as gone away. On looking further into the internet it would seem that the address has been redeveloped and is up for let. Any advice on how to track them down?
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