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Found 12 results

  1. So a little back story, 3-5 years ago my credit file was HORRIBLE I had defaults a plenty, a CCJ and could not access any credit at all apart from provident doorstep loans. Fast forward to now, I have 4 credit cards 1 x Ocean card with a £400 limit - had for 3+ years 1 x Aqua Card with a £1200 limit - had for 2+ years 1 x Marbles Card with a £2500 limit - had for just over a year 1 x Barclaycard with a £800 limit - had for under 3 months I also have a 4k Loan via On Stride Financial which I am paying off, never missed a payment. And a car Loan via Moneybarn which I ha
  2. I've been on benefits due to health issues for quite a long time now, I was on Incap Ben until Oct 2013 when they moved me to ESA and that's been static since then. Not had any kind of increase in 4yrs. In 2014 I finally had a diagnosis of one of my health issues that had been ignored for years by doctors... Dismissing my issue as weight related when it was in fact a condition called Spinal Stenosis... which is 'made' worse by being overweight. This explained the shocking spasms in my lower back which could turn my legs to jelly and make me slump to the floor at any time
  3. 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
  4. I recently ordered a bag from the store online and posted it back to them. I had ordered something similar a while ago from the same store online. Both items black backpacks and the same rubbish to be honest, but I think I may have sent the wrong one back. They have received my return from what my tracking number tells me, but they've not processed it yet. I was wondering what could happen or if they'll get me in trouble for this.
  5. Restrictions in Freedom of movement Being “Forced to work,” From Dawn to Dusk just to be given food to eat Not being allowed to accumulate and “Assets,” – Personal Possessions Being “Punished,” if you attempt to air an objection about this. This is what I learnt in History and it is called SLAVERY. Being forcefully ejected from your home. Even though the piece of paper says you own it. Being forced to “Pay Additional Costs and TAXES,” while others not of your hue, Religion or creed are not told to. Being hearded into Segregated Areas for Educatio
  6. Apart from world peace, what would you like to see happen in 2016 ? And perhaps we can avoid any debate on the EU in this thread, in anticipation that a few take interest in this.
  7. I need some advice. I have just been informed today by HRMC via a P800 in the post that I am due a tax refund from 2007 for £2,570. It seems a former employer screwed up and it taken this long for it to be discovered. Anyhow a nice early xmas present once the cheque arrives from the tax man. I am pretty sure I have to inform the DWP of this and it will not put me over the £6,000 limit that for sure.However, as I am on esa in the support group, how will this refund affect that if at all? I am also on housing and council tax benefit.
  8. A number of frequent posters on the forum have said that they would like to have a thread so that we can discuss the procedures available for debtors if they consider that a bailiff has done something wrong. The thread can be used to discuss a variety of scenarios such as: What is the correct procedure for debtors to take if a bailiff clamps their car which is on finance? What should a debtor do if the bailiff has clamped or removed their car and it is needed for their employment. Can a bailiff charge a fee if the address on the warrant is wrong. PS: We had a similar
  9. hi cliam form sent nov 12 2013 dwp got it atos got it 5 dec 2013 no news at all m p has witten one month ago she still not heard anything back from them either is this a record
  10. What would happen in the UK if we took the view of what New Zealand has done read here http://www.scoop.co.nz/stories/PA1407/S00291/fine-dodgers-paying-up-to-avoid-driving-ban.htm
  11. I used to be a Job Centre advisor back in the late 90's. We were told to treat the people that came across our desk with respect and dignity because life had obviously become tough for them in that current moment, and to seek to do all we could to aid them in getting back to work. Fast forward 16 years and I now find myself on the other side of the desk and claiming JSA. AND MY GOD HOW IT HAS CHANGED! The whole system has become a Spanish Inquisition, with us set up to fail. My advisor no longer even looks me in the eyes but taps at a computer screen looking at charts and numbers trying
  12. Hi Let's say we are getting married in 3 weeks. My Fiancee and I have paid in full for and had an initial try on, of the wedding dress and was waiting till this weekend for a final fitting When..... we have just found out that the retailer (a newish company, less than a year old) have had some problems between the business owners. One of the owners is contactable but is saying she can't help as she is no longer involved, not allowed to, the company is trading but is aware of contact issues. The other is completely un-contactable, by phone, email, mobile so far. Our latest visit t
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