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  1. can bes take over a residential property electric supply as they only do commercial electricity I need to no as been miss sold a contract please help the last few days have been hell bes utilities phoned me saying they were acting on behalf of my hopefully soon to be landlord no lease signed I have ended up in a contract some how I have been bullied and feel forced into this contract really not sure wat to do as I don't have a lease yet or permission to change the electricity supplier still they say I cant get out of it they say they are goin
  2. Hi I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife. Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made. My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in t
  3. I've been getting bills in order, cutting out the crap like putting phones on sim only canceling gym memberships which aren't used and the like. I've a few debts to deal with and will be getting a copy of my files from all three agencies shortly but one sent a letter recently and I'm fairly certain 6yrs have passed since I last paid anything or communicated with them. Debt is £2686.03 originally with Littlewoods but the letters have been coming from Lowell, one prior to this was an "amazing offer of 60% off" if I settled. I'm assuming they've also figured out 6yrs have passed? Ne
  4. Hi,All please can i get some advice regarding todays events, i was off sick with a trapped nerve in my lower back (I am a delivery driver) i was asked by my manager via text if i would return to work as a passanger to show the lad covering my run the route as my normal finish time is 14.00 and he finished at 19.30 the previous day, I agreed to this and also informed my manager that the Naproxin and anti inflamitaries do help a little so i will chip in as much as i can, Upon arrival at one of my deliveries which was a pub that doesnt open until 11.00am we got there at 10.4
  5. I can't log into my account today with my PC, although it still works most of the time with my phone. I keep getting a message about AOL being called Oath now and it says that before I continue it wants me to confirm I'm in the UK and to confirm their new privacy policy. When I try to accept their conditions or manage my options, it says 'Oops something went wrong, please try again later.' Every time I try, I go through the same loop. What am I doing wrong please? Thank you for any help. HB
  6. A google search led me here as I'm in the same boat as MadMat. I received a call yesterday, 21.11.17, from Cabot and the caller asked if I was free to speak to which I replied 'absolutely not'. This was true as I was just leaving for work at 07.45. Today I received a letter dated 17.11.17 saying they have recently confirmed I live at my address. I am in the process of moving house and can only think that the company that did the tenant referencing (I had to supply 10 years of addresses) passed my details on because I'm usually careful about sharing my details. I have
  7. About a month ago i received a Court Find in the post for around £350. I sent a letter asking what the fine was for. I got a letter back saying that on 26/03/2015 my car was found not to meet the insurance requirements. I have had the same insurance company since at least 2014 and it renews automatically every year since. I even phoned my insurance company and checked with them the exact date in question and they confirmed that my car was insured on that date. The letter said they are holding off on the fine until the 10th of June to give me time to contact the
  8. Hi, I'm in a very complex situation and I am loosing my mind and health over this. I was wondering if anyone can assist me, greatly appreciated. Around this time last year I was asked to submit a medical form for WCA, which followed by a face-to-face assessment. My WCA for ESA scored zero points and I submitted my case to Tribunal for review. I believe I meet 4 descriptors for the Support Group. I am currently waiting for a hearing date. The medical WCA assessment outcome in 2016 recommended Work Related Activity for 12 months indicating that I could be ready for work (possib
  9. My nephew is 17, has a learning disability and mental problem. My Mum claims carer's allowence for him, today she received a letter from the Job Centre asking for more information on my nephew. She thought she was claiming Income support for herself as she doesn't sign on. She's worried that she's commited benefit fraud without knowing. My nephew is on PIP for what is wrong with him. The information they are asking is if he's in full education, he's not because the college refused to take him. He went last Septemeber but was turned away. She thought the income support was fo
  10. Hi It seems that Cabot Finnace has brought both mine and my wifes credit card debts from Lloyds, they have not provided a CCA in the 12 +2 days. What do I do next?
  11. Hi, on the 13th August I was referred to Ingeus by my JSA Advisor and told to expect a call off them. On the 15th August I had a severe epileptic seizure caused by stress and was given a sicknote for 12 weeks by my doctor. He thinks, due to me being severely depressed and prone to more seizures, that I should be on ESA. I closed my claim for JSA on the 17th and opened my claim for ESA on the same day. Later that day I had a letter from Ingeus telling me to attend on the 27th. There were no mentions of sanctions or anything like that, but it caused me to become very agitated. I calle
  12. HI all new here. had a letter 10 days ago saying that a tesco card debt i apparantly owe money on is due to someone called HPH2 adn robinson way are to collect on it. I ignored it to be honest feeling it was a [problem] as i don't remember having a tesco card ever. a new letter came today with a list of payments I can make and to contact them so i did and spoke to a chap about this telling him i don't remember having one and could he tell me more. He said that the last time i paid it was a payment of £70 in July 2010! and I took it out in 2007! I have had problems with car
  13. Hi all So I've been self employed for 3 and a bit years now, always paid my self employed taxes on time, but today when I try and access my bookmarked HMRC link, I get: Access Denied You have tried to access a page that you have no permission to view. Please click 'Next' to proceed URL being - https://online.hmrc.gov.uk/self-assessment So I click next and it redirects me to here - https://www.tax.service.gov.uk/personal-account And there's nothing on that page about self assessment, the only tax bit is: How you pay Income Tax Pay As You Earn (PAYE) Chec
  14. The following is an extract from a press article today. Westminster Council already have a similar system in place. If only other local authorities could follow this example. http://www.camdennewjournal.com/council-tax-exemptions THOUSANDS of people in Camden are set to be made exempt from paying council tax to save the Town Hall cash on chasing for money they do not have. Labour council chiefs are looking at a plan which would see around 11,500 of the borough's poorest residents no longer receive the bill from the Town Hall. The proposal will go out to a public con
  15. I'm hoping someone can give me some advice here. I took out a Learner driver policy for my son last September after buying him a car for his 18th Birthday. He was the owner and I stupidly did not change my name to his on the V5 so was the registered keeper. When I took out the policy I was named as a named driver, the policy was in his name and I declared that he was the owner/registered keeper of the car as I had my own vehicle. Two weeks ago, he drove his car to his friends and I drove the car home. Unfortunately, I drove into the back of someone and the insurance said the car
  16. Hi I have been seeking advice for my situation because I have no choice but to serve a writ to try and recover a loan I made to a friend. I did contact my local CAB but they were really not helpful. I did not think there may be any listings on CAG for issues like mine, so I was so glad I searched through CAG. I found the thread http://www.consumeractiongroup.co.uk/forum/showthread.php?356814-The-Process-of-Litigation..-Court-Claims-Defences by Andyorch very helpful and am grateful for this. I have been quite ill over the past few years and thankfully now recovering and getting my
  17. I stuck my head in the sand with council tax last year and ended up having my debt passed to Equita. It got to enforcement stage before I managed to get someone to agree to a payment plan with me. I agreed to 250pm at the time as I was in full time work. I lost my job in April and rang Equita before my payment was due to advise them that I wouldn't be able to pay the same amount but would be willing to carry on paying a much smaller amount until I get back into work. (I'm currently waiting on an award of benefits from the DWP and have been given a council tax reduction for this year based on n
  18. Hi, The background story is me and my tutor agreed to meet at his home on Saturday from 9-12 for a three hour tutoring session. I have been to his house 5 times before using a mobile gps. Unfortunately yesterday I was on the motorway, went too far, my mobile wasn't working properly so I had to use my own navigation skills Moreover, I got lost and decided after I would go home because I was freaking out after getting lost and thought I would get more lost. My phone was not working properly so I could not contact him. I got home and my sister was there and used her phone to text m
  19. Hi all, been browsing this site regarding appeals for forgetting my railcard but haven't seen anything regarding a railcard on Oyster (apologies if this has been covered). Travelled from Shenfield to East Croydon on my Oyster today from where I was planning on buying a ticket to Brighton to complete my journey. I'd been in a massive rush to catch my train as I only found out at about 7am that I was meant to be at university at 10 rather than 11 which got me hurrying, I didn't have time to buy a paper ticket I thought I'd use my Oyster which had my railcard
  20. I have a sick note saying from the drs that I have anxiety and depression and am I'm in quite a bad way tbh. I feel quite unwell but my manager is being awful about it and says she will sack me. Now I've been looking online if I have any rights and read this... I’ve had to take time off work due to mental illness, can I be fired? Or not paid? No. It’s illegal for your employer to not pay you, or fire you, if you’ve had to take time off. Make sure you read your company’s sickness policy, as what you’re entitled to differs from company to company. ----- Source: http:
  21. So I part exchanged my car in the middle of last year; sent off the slip to the DVLA and thought nothing more of it. Then December last year I started getting letters from the DVLA etc saying my car wasn't insured. I sent off the proof of sale and they sent me a document telling me I was no longer the registered keeper. So it seems like they never received the original paperwork and I'm now still being pursued for not having insurance for a car I have proof of sale of! This seems ridiculous to me - do I really have to defend myself against this?!!
  22. Just a quick question here. My office closed on XMas eve, and we go back on the 4th like most people. However, due to the work I do, and a very demanding client, I am having to cancel plans and work from home in order to work on a system. I am alone in doing this, while the rest of the office enjoys a nice break. Am I entitled to these days back since I am working them? Or am I just being picky? Thanks
  23. Ten percent of all court fines relate to using a TV without a valid licence. It is a sad fact that the vast majority of people who receive a visit from a TV Licence Enquiry Agent ignore the summons and the accompanying Means Form. A large percentage of people subject to these fines rely upon state benefits. In almost all cases, the person receiving the summons should respond to plead guilty. In doing so, 'credit' will be credit (which will be a reduction in the standard fine). Secondly....it is vitally important to complete the Means Enquiry Form (as outlined below). The following
  24. Hello, I've been having issues with the balances on my Natwest account for a few months now and wondered whether anyone else is. I keep a tight track on my accounts and use the iPhone app to make sure I don't go overdrawn (by transferring money in and out between Natwest accounts), yet on quite a few occasions my balance has shown as overdrawn. When I query this with the bank they confirm I'm overdrawn and won't accept that I can't be as I ensure I cover every purchase before making it. I don't touch the account and 24 hours later the balance shows as back in credit. Very tiresome
  25. 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
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