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  1. Hi all, So after being left alone for more than 4 years despite their view that I'd be fully recovered from my genetic condition in 2 years, the dreaded envelope finally landed on the doormat this morninng. Absolutely perfect timing as it's been hanging around in the ether for 6 days so I basically have 3 weeks to return it with a family reunion event this weekend, my son's wedding the following weekend previewed by various family members arriving and wanting entertaining and followed by a 2 week holiday - we get back 2 days after the form is supposed to be in, and whilst we're away
  2. The other half's PIP is not due for renewal till next year (the end of april I believe it is) however he got a phonecall last week to say he hadn't replied to a letter he had never received saying he was to go for assessment. Now I'm raging about that to say the least as they are not supposed to contact him by phone on instruction of myself and his GP but that's a different issue. We are obviously going to have all the same issues we had a few years ago with regards to him getting a home assessment rather than going to the assessment centre. And given their 'health professional' apparentl
  3. Hi everyone! I am new here. Stumbled upon this forum recently and really enjoyed it. So, I decided to join the community and look forward to interesting discussions.
  4. We've lived next door to them for over 18 years, they have been here since the 70's. They are an elderly couply, they are not the problem. Their 40 year old son is. He sells drugs at all hours, his Dad has to answer the door to them. The son plays loud music, games and shouts. One time, this was a few weeks ago. My mum was in the bathroom and he said to his friends 'yeah, their grandson lives sleeps in the bath'. He keeps spying on us in the bathrrom. When we reported this to the council all they said was 'He's got mental problems, he can't help it'. His mental problems a
  5. Apologies to all I should have posted here first. What an informative forum, I have been having sleepless nights over my debt problems, thanks to the Cabot mob:x Feels like someone has my back here and help is much appreciated. Thank you.
  6. Disclosure and Barring Service - GDPR is here READ MORE HERE: https://www.gov.uk/government/news/gdpr-is-here
  7. Hi - I got advised to log my story on this site by MBaxter who I often work with in the states. He cant sing your praises highly enough. 1. I have an outstanding debt from a Lloyds C/C for just over 6k. I received a letter before action sent to a relatives house who I have registered for my mail. I do come back home every 3 months for about 10 days at a time and I am not sure whether I will stay here or not. I own no property or assetts in the UK, so they can't touch me there but I don't know whether I will return to the UK as the industry we work in is changing fast and ther
  8. Hello all, as the title of my post suggests, I'm new here I have lurked in some of the other advice forums and my,oh, my, what a wealth of information. I think I am going to stick around. For those of us in the UK, have a great weekend and mind the snow.
  9. Hi all, I became a carer for my parents way back in 2007. To do this I had to give up my business and as a result had my home repossessed. As my mum had dementia and declined rapidly I had little time and even less inclination to deal with it all, and dug my head in the sand. At the old property (by that point I was living with my parents) I had a lot of debt letters and just left them there. Only 2 creditors are still chasing me via debt companies. They are both credit card debts. I sent 1 of them the statute barred letter as they turned up at my door the other week.
  10. Or avoiding £8 handling charge from rm? My mum and dad gave me some money for my birthday and I went about buying a new phone through mums card. Decided on a Redmi from banggood and all was well. My friends mum told me that I should ask for the parcel to be sent via swiss post which I did. So I come home from school today and my mum has a right face on her like dragging on the floor kind of thing and whats happened is shes had a notice through the door asking for and extra 11.42 for charges £8 for rm and 3.42 for tax? dad said i cant do nowt about the tax but maybe with rm cha
  11. lately I've been reading a good few pages of all the bad rep certain X4L gym's have been gotten over the membership situation, I decided to post and give some enlightenment to the situation.... When you cancel your direct debit with the bank, you are obviously going to get charged still. and debit.... Because this i the wrong way to go about cancelling.. I strongly suggest, you visit the X4L website and cancel that way. Also when the sales rep sees you before signing up, they are told not to mention the canceling option.... All the gym cares about is making a prof
  12. As I posted. I am not sure if this site is the best place for this sort of thing, but I am hoping to find out more about this so as to try to negate what I strongly suspect will be a contentious time when my mother dies. I live abroad and visited my mother in the UK when she turned 99 last month, as I have done for the last 9 or 10 years. She was pretty healthy last year but has begun to show her great age this year. Although still fairly compos mentis, she has become quite deaf and started to become more forgetful and confused. She can still get about somewhat but is now also very sl
  13. I'll try to be brief and not ramble. My daughter and her family came to stay with me early last year after selling their family home and were waiting for their new family home. For one reason and another myself and my daughter's long term partner didn't get on, it ended up much to my embarrassment that he ended up staying elsewhere, his friends, his car, hotels etc. This caused issues between myself and my daughter He was sent a few items of mail from Asset Collections I called them and explained that he didn't actually live here, he had for a brief time and had moved o
  14. Well the day has arrived.... The world is going to end they said!!! Well not quite but what has arrived are your Credit Reports for free... Essentially Experian have now entered the game, and we are a bit wiser in what these companies hold about us. No more £2 charges... For now... Each CRA updates your CRF every 30 days. Info below...
  15. https://www.whatdotheyknow.com/request/assessment_of_deferment_applicat#incoming-562041 dx def process.pdf orig def form.pdf ref sheet.pdf
  16. Hi All, I've been a member here for a few years since the original debt caused me problems, but I cant remember my log in details. At the end of 2011 I had a Tmobile phone stolen and £340 rung up before I realized and reported it missing. During the phone call to discuss the bill with their complaints dept, I was offered a goodwill gesture of £170 *IF* I took out a new 18 month contract at a higher monthly rate than I had been paying. I asked for some time to think about it and took an email address (as at that point I wanted to get things in writing). After I ha
  17. I need help a.s.a.p !! I have a restored possesion hearing on 6th July. I am reading everywhere about entering defence but only got 1 sheet cant locate anything else. we have a 2nd charge for £37000 have arrears of £3100 my husband has gone from 2k a month job to £285. I have today spoken to the company , they have taken income and expenditure form. I have confirmed I can pay monthly payment for 3 months but no arrears as yet i payment made today, previously was March . My husband has a injury claim going through from his old employer so when th
  18. How do you Prepare for Santas visit. Do you make sure your chimney has been swept so he does not get any soot on his clothes. Of course we know if a chimney is not available a couple of clicks of his fingers and hey presto he materialises wherever he likes. So do not worry if you have not got a chimney,I feel many of you perhaps do fret a touch. And of course Rudolph and the rest of the reindeer's do you leave them a treat as they must need feeding many times on their journey around the world on this special day. Do you leave them some water,some mince pies perhaps,a few carrot
  19. hi cag, just signed up, looking for advice and offering it aswell.
  20. http://news.bbc.co.uk/1/hi/programmes/panorama/7034187.stm http://news.bbc.co.uk/1/hi/programmes/panorama/7037635.stm http://news.bbc.co.uk/1/hi/programmes/panorama/7037933.stm http://news.bbc.co.uk/1/hi/programmes/panorama/7034492.stm More links on the above pages to look at but here's a few for starters!
  21. I am not going to name names. I just read of one MP who claimed a Large amount for tidying up their constituency home and garden. Then votes for a cut in ESA of 30.00 a week. I am neutral but feel free to have a look around at MPS expenses in your Town,City,Vllage,Hamlet. For whatever year you would like to see. Does it matter that much whether the woodwork has six coats of Chelsea Blue paint or Postbox Red or whatever coulour you like. Or whether the grass,flowers look like Chelsea flower show or a bowling green. And all the rest you can think about. Aggregated Annual
  22. Oh yes please, bring it on! I have a wealth of knowledge & experience waiting to be unleashed to the traitors & bullies in society. They know who they are & I can't wait to exposed them. But do remember, all I offer is nothing but truth & it could get rough!
  23. Hi, I've only just joined so don't really have any right to dictate how this site should be run, but I can't imagine many children sign up to CAG about injustices of lost pocket money or the tax taken by school bullies at the gate, so I wonder why mild cuss words like **** or *** are blocked out. Who are the moderators scared of offending? I mean, if you're over 18 and you've been ripped off and looking for justice then saying **** or **** might be understandable. What's the CAG fear? Can any site team explain?
  24. I am a 51 year old male living in Kent and really could do with some help please? Long story short, I got into trouble 13 years ago when my partner passed away leaving me with joint unsecured debts of around £10k. I foolishly turned to Spectrum in mid-2005 and I entered into a DMP where I thought I was clearing it. Sadly, I was mis-sold this and was told 2 years ago, I had not cleared any of it and the interest had accumulated. I cancelled my agreement with them, I contacted Cabot (I think as that was the only company I remembered) at the time in the spring/summer 2014, I didn't adm
  25. Hope we have some experts around to do with ATTACHMENT OF EARNINGS? .For Council Tax . I Have 2 at the moment , the council have now sent me a 3rd ,According to the council they not only sent me 1 set of letters , they sent me at least 3 ,really? ? they Did send my boss a form telling them that AOE would be taken until the total sum of both ,had been settled ,I DID RECeiVE 2 weeks later a letter stating the same, with a chart showing amounts allowed to be taken , Now I must admit to being number dyslexic , On a monthly wage of
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