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  1. At the beginning of 2013 I was in the midst of payday-loan hell, mainly due to gambling. I have resolved all but one of those (who I am paying £2 a month to) I lost my job in Jan 2011. At some point Halifax allowed me to increase my overdraft from £3000 which I had from student account up to £5000. I spoke to them at the time (or a couple of months later) about the fees (£100 a month) and they agreed to pause for 6 months due to no job. They then paused them again for another 6 months. I had not gained employment in this time. After this period they would not freeze the
  2. Hi everyone, I moved into a rented house June 2018. Recently I received my first water bill, and it shows me that my average use was around 600 litres of water a day. So the amount to pay is £186 (for 2 months - June and July!!)!! That is a complete nonsense - only two people live in the house, and we don't use water more, then anyone else - we never leave the taps open when not necessary, never take shower more than literally 3-4 minutes. But here comes this bill... Thames Water acknowledges that the amount of water consumption is really unusual . They sug
  3. Prices of some snacks almost triple if you buy them at the station rather than on the high street a Sunday Mirror investigation can reveal. https://www-mirror-co-uk.cdn.ampproject.org/v/s/www.mirror.co.uk/money/huge-markups-price-snacks-station-14004342.amp?usqp=mq331AQCCAE%3D&amp_js_v=0.1#referrer=https%3A%2F%2Fwww.google.com&amp_tf=From%20%251%24s&ampshare=https%3A%2F%2Fwww.mirror.co.uk%2Fmoney%2Fhuge-markups-price-snacks-station-14004342
  4. Hi, Need some advice, I got a letter on Friday from Jacobs Enforcement Agents for my Council Tax and it states on the letter the following: Removal Scheduled for 18/6/2018 at 7.30am - now all I need to know is that can Jacobs force entry into my flat? I am worried as I will be out as I am in work from 8am - 6pm. They haven't been in my flat as I haven't been answering the door, so can they still force entry even if they haven't been in my flat? I am waiting for it to go back to the council so I can set up a payment arrangement with them. Hope for some adv
  5. Hello, I am hoping to find some direction or legal advice. I split with my ex-husband 7 years ago and divorced 3 years ago on the grounds of his adultery. I moved out of the marital home so that he had somewhere for our young daughter to stay when he had her at weekends. I went and got myself a rental home. The agreement was that he paid my half of the mortgage and I in return didn't ask for any maintenance. I was somewhat shocked this week when the mortgage company wrote to me this week at my new address which they didn't have the details to get in touch with them. I asked my ex if
  6. HI, Wondered if anyone could help - I'm posting this for a friend of mine: Female with 3 kids under 18 lives in home previously shared with ex partner, who left 3.5 yrs ago. He has left BG bill in his name for all 3.5 yrs and and said he'd been paying it all along. BG have NEVER written to the female partner. On Saturday ex partner decided to try and take his own life and was sectioned. BG letter arrives on doorstep next day and my friend opens it to find its chasing £1700 bill (all still in ex partners name, not addressed to my friend (the female)) She's called BG and e
  7. Hi there, I really hope someone can offer some useful advise on the problem ill outline below We live in a small 2 bed flat and have recently been told we have over £1200 outstanding electricity bill (this is on top of the estimated usage we have been paying each month). The flat is heated by gas and hot water by gas, gas usage has remained as estimated. This number comes from the electric metre readings, when we moved into the flat our agency transferred the account into our names and provided a metre reading (september), we have our own from january this year as well as one fr
  8. Hi there, had a terrifying experience this morning. My mum has received an official letter from Walker Love, hand posted through her door, saying she has 14 days to pay roughly 15 thousand pounds in council tax arrears or she will be subject to the usual procedures, bank account arrested, made bankrupt etc etc. This is terrifying, but also confusing. 1) this is supposedly unpaid council tax for a property dating back to 2001 2) the property was vacated in 2005 3) my dad died in 2005 and his considerable debts were handled by a lawyer at the time. There has be
  9. Help please! This is my first post ever on web and I do so because I really need help. I received a huge fine from dvla £407 for commiting a offence by keeping a unlicensed vehicle on the road. I am shocked because I don't have the money , I am also going through an Individual Voluntary Agreement setting at the moment , wife due to give birth to our second child in 2 weeks and never worked due to depression , never claimed any penny whatsoever either. I am the only one providing for the Family. I had this car Sorn and parked at the back of the flat in the ca
  10. Dear All First of all, thank God for Forums like this and people who care enought to devote precious time to assist others in debt. A Debt collection firm, issued a claim, the progress of which was halted by a CCA request. It has finally come back, after a year following request, with what appears to be a copy of a signed agreement and t&cs and statement of account. Amount seeking is over £3,150. Can't claim time barred, owing to previous payments. They say they can proceed to seeking judgment unless payment arrangement is set up. They trade u
  11. Hi, This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out. I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it! I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that
  12. I sent my laptop into toshiba for repair under warranty around 10 weeks ago. Despite half a dozen phone calls over this period they still have not got the parts in nor know when they will have them. I said its about time they consider giving me another new or refurbished laptop but they were unable to offer this as they are only the repair company and not Toshiba themselves. They were unable to offer any contact details for Toshiba apart from email. I emailed Toshiba in Germany who deal with this apparently and politely asked for a replacement as a repair was not forthcomi
  13. I'm a court appointed deputy for my husband. In 2008 he was placed under the court of protection due to a severe head injury, at that time he had a Barclays Bank account with an overdraft of £600. When the CoP was put in place he had been in to his local branch and they refused to serve him or talk to him. He was lied to about why and we only found out a few weeks later that it was due to the CoP which had taken over a year to be put in place. His original Deputy was extremely incompetent and cause no end of problems. In a nutshell they began paying his overdraft off at £15
  14. I was caught doing 51 in a 40 zone by a mobile speed camera in Feb 2016. I paid the fine of £100 and I have the receipt of payment and confirmation on my emails and the money was taken from my account as expected. Now, 7 months later, I received 2 letters through the post this morning regarding the same incident in February. One from the courts saying the have endorsed my license with 6 points and one from the DVLA with a fine for £569 which includes a fine of £440 + Victim Surge charge of £44 and "costs" of £85. It also states there has been a court hearing in my absence
  15. Hello dear friends after another charges added by HSBC to my account ive decided to look around what i can do to reclaim those charges. Lucky enought had acces to online statements for last 72 months (HSBC) so i done my home work. Total charges added to my bank account over last few years : 2009 - 25 2010 - 850 2011 - 995 2012 - 726 2013 - 495 2014 - 434 2015 - 188 so total 3713 pounds in bank charges. I went thrue few topics regarding bank charges and reclaiming them and i decided to go ahead. I had few times conversation with bank asking them if we can do someth
  16. We were in debit with Scottish Power for almost 2 years but had been paying an agreed amount each month by direct debit. Meter reader comes on 27th August and reads meter. Yesterday we received an email saying as per our preferences they were refunding £800 into our bank account On looking at our account it seems there is a huge credit each month and our payments were pushing the credit higher. I can only go back 18 months online but just couldnt understand why the account was now in credit. Then the penny dropped the meter reader has read the meter wrong. What he read and p
  17. Hello and greetings to all at CAG, I moved eight doors down the same road (upsizing) and Hastings have upped my annual premium by £131.82. When I queried this I was told that the underwriter (Advantage) take into consideration additional risk factors, such as flood risk, proximity to main roads, crime levels etc, hence the increase. I consider this increase to be out of proportion because there is no difference risk-wise to the part of the road I previously parked in. The only difference is, in fact, one letter at the end of my postcode. I feel I have
  18. I filed 13-14 accounts late. I paid £100 penalty in the summer. Normally I receive a letter of acknowledgement of receiving my return and whether I have any tax to pay a few months after filing. I didn't hear from them so I chased in Sept/Oct - when they said there had been a processing problem with a bunch of returns that came in around the time mine must have arrived. Last week I just received notification that I had £0 tax to pay. Yet this week I received notification that I had £1200 penalty to pay. How can this be? No tax; yet such an enormous penalty. I don't have a
  19. The mobile phone retailer Carphone Warehouse has announced that they’ve suffered a huge data breach which could lead to the accessing of up to 2.4m of their customers information. Following the breach, the company has investigated and found that the details accessed could have included names, addresses, dates of birth and bank details. This includes up to 90,000 customers who have also had their encrypted credit card information accessed. Customers who've potentially been affected, have received emails about the incident and are encouraged to: Alert your bank and chec
  20. Hi. Im a newbie here. Im hoping someone can help, Ive got into a bit of a mess over a van hire. I hired a van through Northgate van hire about 6 weeks ago, I scraped a post that left 2 marks on the van, I pointed this out when it was returned, they advised that my deposit would not be returned for the moment. Ive been chasing them for ages about a receipt for the deposit, Ive had responses but they all basically say its in hand. Ive finally received a email from them saying they are keeping my deposit of £250.00 and they want another £750.00 of me. I didn't take out CDW dam
  21. My noddle report is pretty poor as it has 2 defaults on it which are 5 years old (and both currently being disputed). Today I paid the fee and viewed my experian report and that says I have excellent credit and no record of the 2 defaults? I have an old experian report from 2012 and that has one of the defaults on it, but not the other, but now they no longer appear on it. I even called experian to check, and she said there was no active record for them, so they are not part of the credit report. My 2012 report was in the region of ~700, but now it's mid 900's, and even says at the top t
  22. Hi need a bit of help/advice please from Vodafone and I believe they have a rep on here. April last year my son got his first new full time job and treated himself to a new phone contract without telling us, well he is a young adult so he didnt think to tell us. hes been using the phone as they do and occasionally it would go off and he said oh I havn't paid the bill I will ring them which he did and it got put back on. Now its been off for a while and he owned up to a huge bill and he cant pay it, he says not his fault as CPW said he had unlimited data (this is
  23. I would like to wish everybody on this forum a merry xmas and a huge thank you! The help you have provided over the years has been amazing and totally invaluable. Thanks to your help my Xmas will be a much happier one than it would have been. As a thank you I have signed up to a monthly payment to do my best to repay you in a small way. THANKS!!
  24. Can anyone tell me why there is such a huge difference in my credit reports regarding credit scoring please? Experion have me listed at a high "Good" and Noodle give me 1 out of 5! I have 2 outstanding Barclays debts left after years of "sorting" others out. One a current account of £450 and the other a Loan for approx £1200 the latter not paid due to Barclays helping themselves to proceeds from my current account for "charges" on said account which had been dormant for years. They had unbeknownst to me decided to invent an overdraft on the current account which I never used, bec
  25. A huge selection for 'Free to Download' ebooks. Not a lot come for free now, so take advantage. Largest collection of FREE Microsoft eBooks ever, including: Windows 8.1, Windows 8, Windows 7, Office 2013, Office 365, Office 2010, SharePoint 2013, Dynamics CRM, PowerShell, Exchange Server, Lync 2013, System Center, Azure, Cloud, SQL Server, and much more ... http://blogs.msdn.com/b/mssmallbiz/archive/2014/07/07/largest-collection-of-free-microsoft-ebooks-ever-including-windows-8-1-windows-8-windows-7-office-2013-office-365-office-2010-sharepoint-2013-dynamics-crm-powershell-exchang
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