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About Me


Found 12 results

  1. To quote from Thames Water on their Assessed Household Charge Now I was assessed in late 2008 and placed in band 1 and have been billed band 1 ever since. Only recently did I discover that the single rate also exists so have applied for it and been accepted. Now luckily I have a copy of my original meter assessment form (completed and signed on the day of my assessment) which states on it 1 bed 1 person.......... I can't remember a bill or leaflet that advertised that they had brought in a lower rate I was eligible for or I would have applied for it. So the q
  2. http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/
  3. In last week's White Paper on the future of the BBC, the Culture Secretary; John Whittingdale confirmed that watching TV without a valid TV licence will continue to be a criminal offence. At present, 13% (approx 180,000 cases) that go before the magistrates each year are in relation to TV licence evasion. In the consultation paper it was stated that 'more guidance' was required in relation to this offence together with 'proposed culpability factors'. Presently, the Sentencing Council are undertaking a large-scale revamp of sentencing rules for 27 common offences dealt with by the
  4. So the issue itself is kinda "resolved" as I'm told to wait up to 4 days for it to arrive. But I'm left feeling misslead with the information that was provided when I made my order, and anoyed that whenever anyone from our household orders from Argos it always seems to encounter an issue!? Basicly I orderd a game that was due for release today, and I chose argos as it stated specificly that if I placed it I would get "delivery within 1 days" shame that's not the case however. As it was only till after my payment had been processed did it give me the typical error of, "Unfortunaltey we're
  5. I have been studying as always after reading up on various posts, I now have a what I deem a very good question and would like some input please the question is as follows. For enforcement purposes which is the correct "vulnerability" to use as a method of protecting a debtor that falls into either category 1.Vulnerable adult. definition here http://www.legislation.gov.uk/uksi/2002/446/regulation/2/made 2.Vulnerable household. As mentioned in many a post thanks for looking and replying 3.Does a vulnerable adult have more protection than a vulnerable household? As under P
  6. I have a Gaget Insurance Policy for the iPhone in our household - this policy was offered by when taking out my household insurance, I asked at time what did it cover, having two older teens wanted to make sure they were included. Situation - just over a week ago my daughter discovered during the day that her phone was missing, she travels on London transport train and underground, she did the "find my phone" but no response. It is not known whether she was pickpocketed (it was in her side jacket pocket with slanted openings) or whether it was lost, if being the la
  7. good morning all. hoping someone can advise on this. my partner was going to go to a ppi reclaim company but when i said it would be better to do it herself, she asked me to do it for her. ( talked myself into this one somehow). she has had a loan continuously for over ten years, usually using one to clear the preceding loan. she has limited paperwork relating to each loan and so i chose one, pretty much at random, to start with the loan from 2005 with household bank. she has the original credit agreement for this one which states that it was signed in branch. th
  8. Hi guys, Great site....it has helped give me the confidence to confront and repair by financial issues. I am in the process of compiling a letter to the credit card company I owe 6,500. I have been struggling for the last 3 years to make the minimum payments each month (sometimes having to borrow from family & friends) and have finally faced the fact that I can not continue like this. The last 18 months has participially been a challenge with the reduction of my working hours. So much so I rented out my flat and moved in with my brother and his wife to prevent the loss of my hom
  9. Hi Guys, I hope someone can help. I will be as clear as I can - the long and short of it is that I appealed a parking ticket as I was unaware that I had one until the baliffs came calling. All paperwork was sent to my old address so I did not get the opportunity to sort it out. The council dont want to know and I had a hearing at my local court to which they threw my appeal out. The baliffs are demanding £497 (for a £25 ticket) - I have written a letter to the baliff company as advised on one of the forums and stated that guidelines state that where the bali
  10. ............or any other name they are calling themselves:roll: Tried phoning a couple of companys that reclaim for you, but as its not a straightforward claim they dont want to know. So I thought I would ask here for advice and possibly help and go it alone We took out a loan in 2004, it was more or less said it would be better if we took out the ppi, even though they knew I got 6mths full pay from my employer if I was ill. A few years later I phoned and asked to cancel the ppi only to be told that the only way to do it was, as they no longer did unsecur
  11. FOS-92 says that it is ok if the insurers discount is deducted from cash settlement for replacements, does the same apply to repairs? " In such instances we will not usually consider it unreasonable for the insurer to deduct from the cash settlement any discount it would otherwise have obtained from the retailer." I had a small flood and obtained 3 quotes for drying works: 1k - from the insurance using their preferred contractor 2k - from the insurance preferred contractor but as a private customer 3.5k - another certified drying specialist but with a wider scope(underflo
  12. http://www.guardian.co.uk/business/2012/jul/16/household-energy-bills-ofgem?newsfeed=true
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