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  1. Hi Guys, I am currently on long term sick and I am in receipt of ESA. I had to fight a DWP tribunal last year and thankfully won it. I am therefore in the support group and received council tax reduction. However, as I had to move recently and although I notified DWP there has been a gap with registering for council tax reduction. Now the council want the full amount for the last 3 months and I do not have the £600 they are demanding. I have been warned by the council to expect a summons. I am very worried. What can they do? I have told them my financia
  2. Hello, Long time lurker here looking for some help please. Thanks to the advice to others I have read here I have learned sooooo much! I defaulted on three credit cards in 2008 and have been paying £1 per month to each since then. They have all been sold on multiple times. Current situation: MBNA £17000 now with Capquest HSBC £3000 now with Robinson Way MORGAN STANLEY £8000 now with Cabot. I know I've been an idiot and it's all my own doing. I sent all three Cca requests on monday, unsigned with POs. What happens now? My token payments are due on
  3. Ban fossil fuel companies from sponsoring, donating or having any involvement in schools and other activities that are aimed at or could influence children under 18. Why is this important? We all know that climate change is a real threat to everyone and everything on this planet, and that the fossil fuel industry is the biggest cause of pollution, the increase of greenhouse gases, and of creating global warming. The industry is responsible for poisoning our waterways, oceans, air, and land. Also, a lot of the chemicals the fossil fuel companies extract are used for making plastics.
  4. Hi there, heres the story, I paid for an early upgrade online with ee. the cost was £251 including the early upgrade fee to buy out the rest of my contract and the upfront cost of the new handset. Now I ordered this the same day my new bill was generated, however my payment date for this bill is the 10th of each month, it was not due for another week so I didnt see a problem. in the after morning after ordering I checked the ee tracker to find news of my delivery only to find it `timed out` it couldnt find any record of the order number in other words. I phoned ee to fi
  5. I had builder coming in to do extension work Cut long story to short we agreed on price they came and worked 8 hours in 2 days and one of them asked me for some payment i paid £500 and they didn't come for 2 days turned up on 3rd day and made an excuse that they cant find the required doorframe i called them they promised to come after a week as one is sick and other one on holiday When the week finished i ask them what are you guys up to they start making excuses like they needed a skip so they could clear rubbish in the garden i told them that's not the
  6. Hi, I have joined the forum in the hope that somebody has useful information for me in my aim to shake Cabot Financial off, who are chasing a debt which becomes statute barred in September 2018. A brief outline of the debt I am being chased for: Type of debt: Credit debt - Santander Current account Outstanding balance: £590 (consisting £150 overdraft + £440 charges) Account closed: September 2012 After speaking with a helpful advisor at the National Debtline and explaining my situation, I was told it was a difficult one which needed careful consideration of my next s
  7. Hello, I have been renting an apartment for the past year with a previous friend. We each paid a £500 deposit to cover a month's worth of rent (£1000 in total) . Long story short, my flatmate failed to make two of her rent payments so the landlord is trying to claim back the whole deposit to cover each of the £500 she failed to give him. We are on a joint tenancy so I understand the landlord has the right to do this as technically we were both liable for the rent even though I paid all of my 'half', however the question I have is do I have any chance of seeing my £500 again? The depo
  8. Hi, Just after some clarification that I am perfectly entitled to follow my current path over this issue. I sold an IPad on eBay for £95 back in February, the buyer then told me it was damaged when it arrived. It was in perfect condition when I sent it, so I could only suggest that was damaged in transit. I asked the buyer to return it to me, so I could claim against Royal Mail for the damage & I would issue a refund, all pretty straightforward so far. The buyer contacted me saying the Ipad was packed & ready to be returned & would I issue
  9. With warmer weather coming along, I thought I'd remind people of a method that works well and doesn't cost much. If you have a fan that can be used on a table or on the floor, you just need a plastic water bottle, maybe more than one, of about 1 litre capacity. Freeze the bottle of water and when you need to cool down, put one in front of the fan so the air blows towards you and is cooled by the frozen bottle. Make sure you put the bottle in something that will catch the condensation or you'll end up with a pool of water underneath. It works and it's cheap. HB
  10. I'm looking for clarification on the law regarding Signs on a private fence. I recently nailed a proprietary "Private Land Keep Out" sign to a private garden fence after neighbours were filmed trespassing. The said neighbours quickly removed the sign and kept it, despite a letter asking for its return. When the police eventually confronted the neighbour three days later she admitted taking the sign off the fence (which involved prising it off with an edged tool) and returned it. The police have said no offence has been committed by her removing the sign "because she did not
  11. https://www.theguardian.com/money/2017/jan/24/link-atms-proposals-tabled-in-bid-to-keep-cash-machines-free It will be those of us that live in rural areas where banks are closing down that will suffer - if we cannot get into a branch then we have to use the ATMs.
  12. http://www.smh.com.au/lifestyle/health-and-wellbeing/fitness/chubby-older-fathers-are-more-attractive-to-women-and-live-longer-scientists-say-20161102-gsgnm7.html According to research, older chubby Men are more attractive to Women and live longer. I have been saying this for years, that having a beer belly is a real chick magnate and what makes you happy helps you live longer.
  13. Hi, myself and my partner just put a deposit down on an apartment which isn't available until the 7th of July. The letting agent has just sent us through the holding deposit T&C which states the following.. " Should the applicant withdraw the application or fail their referencing, which is at the landlords discretion and in this event be unable to provide a guarantor suitable to the landlord, the deposit will not be returned" Is this common practice? Surely that's a HUGE gamble with money?? I don't mind losing the fees but the entire deposit as well? Shouldn't they usually take
  14. READ MORE HERE: https://www.gov.uk/government/news/mod-and-royal-mail-sign-new-agreement-to-keep-personnel-connected
  15. Hi all, This is my first post on the consumer forum. The error that Vodafone is continuously failing to correct causes me great distress and badly affects my health. I have tried to sort this issue personally through Vodafone Customer Service making endless phone calls but it got nowhere. I was going to take the mortgage in March but Vodafone INCORRECTLY has placed a Default Account on my Credit Rating which prevents me from getting a mortgage. I have written formal complaint to Vodafone Customer Service that was posted to them on 14/10/2015 but the letter was never acknowle
  16. I have been reading the threads here. I was caught swapping price tag in a big store, I have never done this before, there is no reason or excuse, I have been going throught depression and anxiety for the last year,, I was feeling very low decided to go to town to pass some time,, while in the store I felt I was being watched, then I saw a man behind the counter watching me, while I knew he was watching me, I changed the labels, went to the till and paid £20 less,, the item was no interest to me, I give over £100 every month to charity so £20 was nothing,, but I made this mistake now I'm loos
  17. I am having nothing but trouble with Hastings Premier on behalf of my Stepson regarding a false claim made against him in August 2014. Hastings wrote to my stepson in Early September 2014 stating there had been a claim made against him. No details of where it happened or the times. My stepson then telephoned Hastings where they took a statement for him over the phone. He stated his car had been left (15 miles away from home) where he works as an apprentice. His employer loaned him a car to allow him to get home. Hastings then wrote back in January asking how the Third Party had got
  18. OK so here is a issue. I sold a mobile phone on eBay, been selling them for years with no issues until now. I have 200 positive feedback. Few weeks later the guy tells me the phone isn't working and opens a case. He writes. "The phone was working fine with the supplied sim card, as my sim card is the older type I had to cut my sim card down to fit the micro sim slot, now the phone will not read my sim card or the supplied sim card, I got a new micro sim card from my provider and it does not work either" So he says the phone was working fine with the supplied sim card, he cut
  19. There are posts on forums that Experto Credite are about to go belly up. If you search "Experto in trouble" in google you will find the posts. Posters are saying that Experto Credite can't pay some government department (HMRC/VAT?) and they have stopped paying staff. I have plans with them for debt they have bought from MBNA (Varde?). Should I keep paying them? I am worried that my payments will go missing or be frozen if they go bust. Anyone else here have payment plans with them?
  20. Hello, I'm a new user and would be grateful of any pointers with this. I have recently been receiving cards through my door from a company Called aps? I'm not expecting any deliveries and they won't leave the 'parcel' With anybody else. Is this some sort of bailiff? Has anybody had similar experiences? Thanks
  21. I rented a property in Aberdeen via Northwood Aberdeen and I want to share my experiences of when I left the property. I am not looking for any legal advice because I accepted the amount they kept even though it was totally unjustifiable and perhaps i was a little impatient but hey ho! I needed the money and they dragged it on for a whole month right until the end of the deadline from deposit protection. when I handed in my notice a full 2 months in advance (as per contract) they try keeping extra months rent (by saying I have to give notice from same date i moved in of curre
  22. Another lender has just informed me that they have sold the account to MMF, they already owned 2 accounts which are still outstanding and now this is the 3rd! Is there any limit to the amount of accounts they will buy belonging to a single person? Do they believe I'm easy to get money out of so they keep buying my accounts? Do they do bundle deals to clear all accounts? Anyone been in the same situation, or able to shed some light on the situation and the best course of action. I dont want a company buying up all my old debts but could be some benefit if they do deals to settle t
  23. The types of fees taken shown here http://www.which.co.uk/campaigns/insurance-bank-card-fees/ It's made easy here to email your MP and get Mr Osborne to tackle the issue this Wednesday https://whichcouk.bsd.net/page/speakout/2014-11-mortgage-fees
  24. http://news.softpedia.com/news/How-to-Update-Windows-XP-after-End-of-Support-443631.shtml
  25. http://www.nhm.ac.uk/about-us/news/2014/may/invasion-of-the-asian-hornet-not-yet130741.html
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