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About Me


Found 18 results

  1. Well another thread.Looking around saw a few articles on this idea and thought i would pop the idea on the forum. On this fine,sunny,crispy Monday morning in Spring to start the week off. Seems to be gathering momentum worldwide.Or the idea of. A bit rushed,maybe not that clear but a start that is all,i will find more articles as time goes on. But have a look around and have your say on what you think. Some say if companies were to invest massively in new machinery,many of our jobs could vanish. Saying the price of employing cheap labour is far cheaper than the modernising
  2. This is a longish post but bear with me as it involves consumer safety and the fact that a few Chinese companies are trying to sell goods in the UK whilst supplying fake plugs and fuses. I recently bought this item: https://www.amazon.co.uk/gp/product/B01NCMF1XJ/ref=oh_aui_detailpage_o03_s00?ie=UTF8&psc=1 On looking at the 'kettle lead' that came with it, the Earth pin is partially insulated when it should be solid with no insulation. On checking the fuse, it is also fake. These fake fuses have no sand within to absorb the shock when the fuse blows. For example. http://tin
  3. A thought occcured to me after reading CAG thread, where there appears to be a 'penalty notice' for just about everything. Could CAG come up with their own 'penalty notice' template, where it could be sent to companies or government agencies, where people have suffered hassle, bad service or just stupidity. It would be slightly tongue in cheek, where a company is named and shamed for their bad customer service or the stupid way they have acted. There could be a different tempate for different consumer issues. We could have a league table of penalty notices issued against co
  4. Hi all, Sorry if i have posted this in the wrong place. Things have been looking good over the last few months, i would check my credit score which was never great but was slowly improving and I have just checked and I have a CCJ on my credit score from united utilities! It says we owed them £700! we rented a house for a few months, i feel like the debt has been totalled by the next tenants that moved in and we have been left the bill. As I new nothing about this is there anything i can do to stop this and defend myself? thanks all for your help.
  5. I have requested that CapOne write off my debt due to age related issues and ever decreasing finances as I'm retired on basic pension and pension credit (which gave me an increase of less than 2% this year and DLA which increased by 95p per week). I've been paying this religiously since 2010, only decreasing the debt by relatively small amounts, but which is still a drain on my finances. They keep banging on about me providing evidence of my "ill health" (age related conditions) and how it affects me and whether I can go back to work. I have been trying to get it through to them
  6. We bought our home approx. 11 years ago through the old Homebuy scheme through a housing association called Beth Johnson. we got given a 25 % loan which is repayable at any time in the future, and whether the house increases or decreases in value they have a 25% return upon sale . We still own the property but its legaly called a charge or something . We put a biggish deposit down ourseleves . The house is worth approx. £170k now and the mortgage is around £60k we are divorcing and I need to contact Beth Johnson to ask them legally if I can ever transfer th
  7. Hi all I received a Court claim form from Northhants business center courts on the 5th November (dated 3rd). The claim is for £300.43 from a company called Creation Finance and is being handled by Lowell via Brian Carter solicitors. I have absolutely no idea what the debt is for and have never even heard of Creation Finance. I have always kept up to date with any payments from past credit cards loans, phones etc. I have also had a good credit rating, having phones, sofa, car etc in the past and never an issue with repayment so I'm completely in the dark about why they
  8. Just putting this out there for now. On occasion, we get calls for help from people who have been given a ticket in an area where they are unlikely to visit again, such as holiday makers. We have members from all around the country who could visit these sites to photograph the signs. If any of you wish to volunteer, can you add the area you live in ( i.e. London, Suffolk, Essex) below then I could then make a new thread with all the info on one post. All we would need is Photo's of the main information sign(s) and the repeaters around the card park along with a rough estima
  9. Hi guys, Im hoping someone will be able to help me , 2 issues really, first one is he has no idea what its for and secondly its in the wrong name These are the details One of my friends has received a notice of issue of warrant of control with a total of £172.25 to pay with a further £230 balance outstanding , The notice was issued in in the county court business centre and the creditor is lowells Does that mean its a business debt they are chasing or a personal debt ? he has never had a business and doesnt have any personal debt that hes aware of The is genuine
  10. Hi, I was self employed but my business now makes very little with just a few hundred a month coming in. 9 months ago my wife and I sold our house (which had a joint mortgage) and bought a cheaper house in her name. We used the profit to pay off some debts but I'm still left with about £30k debt on credit cards and an unsecured loan. (which I haven't paid for about 7 months) After my wife has paid the mortgage she's left with about £600 a month for the other bills eg community charge, utilities etc so there's not much, if anything , left to pay my debts off.
  11. Hi all, I hope you can help with situation that I find myself in within the last 48 hours and of course I can try and support with what I have learnt in recent days if it helps. Sorry for the long mail! I had a call from HCEO on Tuesday identifying himself and asking if I knew a particular person. He caught me on the back foot and I did not know the name. He proceeded by saying next steps would be taken, I had no idea what he was talking about, the name and what next steps meant even though I asked several times. I immediately googled the name and it is someo
  12. I was signed off JSA for taking my third period of sickness in a twelve month period at the start of December. I was advised to make a rapid reclaim which I did, had my appointment on December 12th. I rang on December 22nd to see if anything had happened with processing my reclaim only to be told by someone on the phone that my original claim had only been shut down in one way and she needed to close the other part. I agreed to this. I managed to get through Christmas and New Year on no money at all, was told no financial help for my fuel costs as I pay by direct debit
  13. I read this on the site linked at the bottom. "I thought I would put this on from today’s paper, for information, as I have not heard about it neither, and even after reading it I still don’t know how we will be able to renew our road tax. Paper tax discs will vanish from cars in less than six weeks-but half of drivers are unaware. The discs will be abolished from October 1st and replaced by electronic records. Police cameras will check number plates to catch owners who have not paid. However, a survey found that 50% of drivers are still in the dark about when
  14. ok kids have got a 12ft pool, its about 6,000 ltrs it takes a LONG time to heat (outside tap is on hotwater system) ive had a madcap idea that im going to try and build over the week and im looking for views/advice/derisment the current idea is - i have an old unused bbq that i ussually burn old paperwork in. i have several old lengths of hose, and can get hold of some copper piping the current idea is length of hose over side of pool, going to a drill pump (attached to smallish 6v or 3.7v motor), another length of hose going into about 1.5m of copper tubing, this copp
  15. might be worth contacting some of the usual outlets that im sure read these we seem to be having more and more complaints about how complaints, or late payments are handled would it be worth getting a small sample group of people around the country who would be willing to - take out an agreement while wearing recording equipment &/or cameras - report a failure of said equipment (these can be arranged) - record all issues with repair again with correct equipment - possibly deliberatly default on payments - record all harrasing calls and visits on camera might be
  16. My husband is getting regular calls to his mobile from 0845 576 0491. They're leaving blank messages. We've called it back and the message is 'you were called by the contact centre. We may or may not call you back'. Any ideas who it might be? Googling has come to naught. Thanks in advance!
  17. Overview House Bought: September 2010 Price: £116,500 Deposit: 15% Mortgage: 2 Year Santander Variable 4.74% 35 years. Further Details: For the last 12 months I have over paid £250 a month which has taken the term down to 15 years and 3 months. The mortgage is in my name and I have no other debt. So my mortgage is now due for renewal and being brutally honest I don't really know where to start. Santander have put me on to a standard variable rate which is 4.24%, they have told me that this would be a rolling contract. I had a mortgage advisor when I original
  18. il try to keep this simple, iv got loads of creditors, but iv no idea what to do, or how to prioritise them. heres a list, could people please give advice on what i should give priority to, and which i can get discounts on? defaults: quickquid £425 natwest £434 natwest £1224 orange £20 lowell £273 lowell £161 t-mobile £356 halifax £231 late payments; quickbridge £550 microcredit £799 active securities £421 speed e loans £562 not on my credit file, but overdue; ferratum £122 txtloan £218 cash genie £352 wage day advance £300+ thanks in advance
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