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  1. I wish I could turn the clock back before I decided to become one of their victims (sorry customers), lesson learned and hindsight is a wonderful thing. I am having serious issues with Brighthouse which hopefully you good folk on CAG can help or advise me?. Back in late October last year I took out a credit agreement for a mobile phone which at the time I could afford as I was working and weekly paid which meant Brighthouse was paid each Friday without fail, fast forward to February this year I was laid off without warning/notice - I went in to my local store and they agr
  2. Hi All This is my first time in posting about this topic. I am a divorced mom with two teenagers. Up until recently my children were going to their fathers pretty much every weekend. He is now starting to complain about having them on weekends, and is demanding to change the schedule this is alongside his gf who is shouting the odds about the fact they live together and its her house and they go their because of her goodwill. I am standing fast and saying no, but this is being met with resistance. There is a constant request to change nights, and I get no suppor
  3. Having some issues with Flow Energy currently that I need some advice on. Basically I switched to them via the compare the market website in July 2016, but in November / December 2017 they contacted me to tell me I'd not been paying them enough via Direct Debit, and unbeknownst to me the bill had risen to about £1100. I admitted the fact I hadn't really looked at my bill, and hadn't submitted enough meter readings. But I challenged them on the fact my direct debit was clearly too low, and that they were also aware of the national average (As they had used this as an example to me to dem
  4. Heya, Hoping I can get a bit of advice on the following. I've emailed Ashbourne mgmt to cancel my gym membership. I signed up in December 2017 with 3 months free and then started my 12 months in March 2018. My final payment is due to come on 1st of Feb 2019 at which point I would then cancel my DD. They have replied saying I have to pay a 3 months notice fee so will pay up until May. This sounds ludicrous but would I be in my right to just cancel my DD after Feb? Unfortunately, I've looked everywhere and can't find my contract and they have ignored my request to send another one:ev
  5. I brought a 3008 Peugeot from hippo motors in July they have me A1 approved warranty for 12 months and that warranty ain't worth the paper it's wrote on I collected the car 21st July from hippo motors from up north got back to London after a few days noticed there was a shudder to the auto gearbox took and had a few other things that needed sorting like CD player which the warranty did sort on the 10/08/2017 after an arguement with them and they tried to refuse to cover labour costs I had to involve the finance company to get them to pay for the work that was carried
  6. I am a light sleeper and have been using ear plugs to bed for quite some time. 2 weeks ago, my boyfriend picked up some of Superdrugs own-brand earplugs, which are like a soft silicone putty. He wore a pair to a concert and gave me the remaining two pairs to use. Despite the box saying they are suitable for sleeping in, after the third night of wearing them, I found that I couldn't remove one of them. It turns out that the squishy silicone softened so much with my body heat that it slipped down into my ear canal, and adhered to my ear drum. It is nigh on impossible to get rid of due to it
  7. Hi All We switched over from BT to Plusnet at the back end of last year, just before christmas and since the switchover, I have not had a decent internet connection through the WiFi since. Background: The house is a large old property with brick walls so WiFi is spotty in some areas, to resolve this I have placed access points that are hard wired in where necessary. When the provider was BT there were no problems I could test with a cable or WiFi and the speed would be pretty similar. Since switching over to Plusnet the internet speed through the WiFi has been awful and I don't think
  8. Hi All. I am having a real headache at the moment with homeinsure.co.uk / Thames bank insurance. Background: I split up from my ex-wife some time ago, but as we own a property together (wholly on my name) and no one else lives at the property, i still left some of my contents there as it is the safest place for them. This included some photography equipment, cycles etc. Additionally, all the bills etc on the property are on my name as i deal with anything official in relation to the property. The building is insured via a block management policy. History: Back in 2016
  9. Hi all, I noticed that I will not have enough money in my bank account to cover my rent for the 1st January, but I will receive my student loan on the 14th where I can pay it in full. I have never missed a rent payment in nearly 2 years of tenancy. I emailed the agent if they could show leniency and waive the £35 reminder letter fee which is laid out in the contract as - 4.3 The Tenant shall pay interest at the rate of [4] % per annum above The Bank ofEngland's base rate on any rent lawfully due that is paid more than 14 days after thedate on which it became due. The interest will be
  10. Long explanation....... I Bought a kitchen recently from a well known distributor on a trade account through my company similar to howdens. Paid 1800 deposit and had 5000 on credit. The kitchen arrived and when we came to install around a month later we noticed some parts had not arrived. Some had been marked as delivered and others not even checked off so they knew they were not there. They informed my wife, I was away for 3 weeks with work, that all was there and had been delivered so kitchen could be installed fully. Once install began a small number of items were n
  11. Hi, Happy holidays. I am looking for some guidance. Just returned home with nice letter from HMRC about VAT return of £571. This is for period of 27th July to 31st Oct. I have bought some items to flip on amazon back in June/July total 120 units, that cost me £1080 in total. I have sold them all for £2,395.93 - the amazon fees. This was sold during 6th July to 27th to be exact. Then I decided to open a VAT account and look for some distributor accounts, however never been able to find good products and decided I need to close VAT account as the only way to ge
  12. I have an as yet diagnosed medical issue which limits my capacity to work, I cant get benefits yet but may only be able to work on a reduced basis going forward. I have £34k of credit card debt and £8k of other debt and can no longer service it - does anyone know the new medical criteria they have talked about for debt forgiveness please? Thank you
  13. Hi All In September 2017, I purchased a leasehold tenanted flat above a commercial premises. The entrance to my property is on the first floor and you have to climb some external stairs to reach the front door. After purchase the landlord decided to convert two offices in the same building into flats. The other two flats (which have just been converted from offices and are still owned by the freeholder, but are up for sale) have an entrance door on the ground floor and internal stairs to the individual flats. In order to sell these flats some quite drastic improvements in
  14. Hello there, I purchased a shared ownership property (75% of) earlier in the year and completed my snagging list. When I contacted the useless housing association I purchased the property through, they told me on three separate occasions that they would ring me back and nobody did. On the fourth occasion they told me that they could not help me as I owned my house and they only deal with residents who rent from them. They told me I must deal with the builder directly. I have now been chasing the builder four times and after the fourth and final chase, the builder has told me that as they
  15. Hi All. I recently started selling beauty products on eBay in my spare time for extra money. I chose Hermes as the carrier as they seemed the best value. Iam now regretting that decision massively. I have sent approx 200 parcels so far, all over packaged, and most of them i have taken photos of, and photos of them on the scales. After about 70 parcels i received an email from Hermes requesting an extra payment as a parcel I had sent was over weight. The parcel weighed 200g, but they tried to charge me for 3.25kg. After emailing i got the charge removed. (Not a good sta
  16. Get a chair, this could be a long one I own a pub. We are next door to a beauty salon and the owner lives above. We have been having problems with our drains for some time now to the point yesterday, we had a CCTV scan and they thought the drains were collapsed £300 So today, we have had someone out to find the collapse. They have dug 4 holes in the pub (The pub closed for the day due to H&S and the smell). They started at about noon and I have just been told, that the drains hadnt collapsed but they were blocked ram solid with baby wipes. And I mean approx 2ft of them
  17. If you discover issues caused by the recent upgrade then please post them here.
  18. Hi, In 2013 I received a default from a utility company for unpaid bills. I continued to live at the property but didn't speak to them again until 2015. At this point I pulled my head out the sand and faced my issues, paid off the default and money owing for the period from after the default to the time I called them. I have been clean on my credit since then and during this period it was just them I didn't pay (i'm an idiot). I am trying to understand how defaults for my period of no contact works - one was issued in 2013 but obviously I was accruing further utility b
  19. Hello and apologies in advance. This is going to be a long one:| Fingers crossed that I am posting this query in the right place. Hoping someone here can offer some help. A relative (non EU) become an accidential landlord. She emigrated to the UK, worked here for a number of years, purchased a property which she lived in and then decided to return to her homeland. She informed her lender that she would be renting out her property. She has a residential / interest only mortgage. She left her property in the care of an estate agent No1 and for a number of years this worked w
  20. Hi, My partner had a 12 month gym membership with Xersise4less, unfortunately due to a foot injury she had to stop going after a couple of months we cancelled the DD (Stupid in Hindsight) now i am sure you know whats coming next they have passed it to Harlands / CRS and have of course added lots an lots of extra fees any help would be appreciated. Is there a way i can pay the 30 days notice and have done with this i refuse to pay the extra admin fees. Thanks in advance
  21. Hi I've got two PCNs from two different London boroughs and a congestion charge from TFL. The two PCNs have been sent to the traffic enforcement people for a warrant to be issued. The TFL one is probably going down that road now I reckon as it went from £80 to £160 and now at £240 to be paid by last week. I called the traffic enforcement people and they told me to approach the councils to ask for time to pay. Ditto TFL. I tried for several months with the councils but they won't give me time to pay which is why the tickets have gone from like £60 to £128 and £173. Actual
  22. Hi, I’m looking for a advice re. Issues I’m having with CRS. I cancelled my gym membership (in writing) in November 2014 giving 1 month notice as per my contract and at the time of cancellation all my DDs were up to date. Then going forward 3 years I noticed that Harlands were still taking DD out of my account (schoolboy error as I forgot to check at the time). I contacted Harlands who admitted their error and agreed to refund the money of £710. Then all went quiet. I chased them several times over two months by email and heard nothing, so I then evoked a Direct Debit
  23. Hi All, I wonder if anyone out there can give me some advice on how to deal with my predicament? I should mention before I continue that I worked for the company for 3 years before my dismissal In May of this year I was dismissed from work for gross misconduct, the reason for the dismissal was I did not fulfil my contracted hours ‘my timekeeping was not what it should have been’ Prior to this there was no complaint about my timekeeping nor was I give a formal warning or undergone any disciplinary / capability hearings. My work did not suffer because of this and som
  24. VOLKSWAGEN FINANCIAL SERVICES . WHITE AUDI A4 I have a contract hire vehicle with Volkswagen financial services (VWFS) the car was due to go back at the end of April 18. In early march 18 I attempted to get in touch with VWFS to remove my private plate from the vehicle before I handed it back. in previous run ins with VWFS, its been an absolute nightmare to get back your private plate if you do not do it whilst you have the vehicle. Anyway, I was told to pay an admin fee to remove the plate. This was charged to me and I was sent a form to fill out. I was emailed by VWFS wh
  25. I purchased a detached bungalow (first time buyer) with a garage with the aim of significant renovation work, including a garage conversion, creating a kitchen behind this and 2 further rooms at the back of the house. Although it is a detached house, it is very close to the neighbour - in fact the garage wall (my own wall) is attached to the neighbour’s wall. Due to the style of the build, their roof overhangs (over the garage) significantly which made identifying the boundary a bit difficult (not clear in deeds either). Long story short, they were not happy with my plan and objected to e
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