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  1. I have recently found out that someone has applied for a credit account with JD Williams on my behalf. They had filled in the online application form with my Name, Date of Birth, a random London address and claimed I had just moved there from an address 4 years ago. Now, with every credit application I have ever made, from a Loan or Credit Card to a mobile phone contract, there has always been a process of verification to confirm I am infact living at the address given and who I say I am. These searches show on my credit report as soft searches as they were used to confirm m
  2. Hi fellow caggers, looking a bit of advice for my partner She opened a Halifax Rewards account in 2002 with her Ex husband They separated in 2011 and there was an OD on the account He sub sequentially left all the debt to her, he managed to remove himself from the account by paying a small amount, I will say he was a Halifax employee. The last payment into the account was feb 13 by my partner and the account was defaulted on her credit report in Dec 13 It was sold onto Hoist and is being managed by Wescot, we have not acknowledged the debt and sent them a prove it in
  3. PIP assessments: 'Lack of trust' in benefits systems READ MORE HERE: http://www.bbc.co.uk/news/uk-43058789
  4. I was diagnosed with sciatica in October 2009. At the local hospital. With physio and hardwork I got myself ove rit as much as one can by walking mainly, a hobby anyway. I was left with drop foot but managed that with step ups in my shoes. In 2015 it started to become a real problem again, or so I thought. This time it was preventing me from walking properly. I went to the GP who referred me for physio and I was given exercises to do, including pushups which really seemed to help on the left side where the sciatica was, but my right leg was getting more and more painful. I was the
  5. Hi I work in retail with vending machines. These machines are new to company and manufacturer and many do not know how they truly work. The machines have a history of being temperamental. Now I am in the role and I have been reviewed as having lack of productivity as the machines don't work. I have been told by someone who said he was rusty on his knowledge of the machines, after he had been working since 4am in the morning. I was not given information of who to contact when the machine goes wrong or info. Luckily I found this out for myself. Whats my position as I do like the j
  6. please redirect if posted in wrong place mother in law has dementia wanders got ran over 3 weeks ago thank goodness not to bad. had mental capacity test done in one hospital conclusion lack of it. moved to different rehab unit they at first said they wouldn't accept other hospitals conclusion her home social services did the test. how do we as a family apply for both financial and medical power of attorney she cant consent herself
  7. Hi all, This is on behalf of a friend who got married just over a year ago and has had really bad experience from her photographer. The photographer himself / company was a recommendation and all the usual steps were taken in vetting him and his team, seeing is work, talking to a few others etc before the contracts were signed. On the day, he was really unprofessional demanding extra money or his departure nearing the end due to the wedding getting a little delayed - not something a bride wants to hear on the her big day. In contrast, my own wedding with another photographer staye
  8. I have mobility problems which only really affects me when the weather starts to change. At this stage I need to use crutches and have access to a cab to take me to and from work paid for by DWP under the Access to Work Scheme. I have recently started a new job (only 3 weeks) within a physio therapy centre however they do not have any disabled access. When I was offered an interview I noticed that the building only had stairs and prior to being offered the role, I did comment that I had mobility problems and that the stairs would be a problem for me. After being offered the position, I spo
  9. What is the legislation/rule on issuing Annual Statements? and consequences of failure to issue??
  10. It took over 3 months for the DVLA to take action over a car that I reported to them as having no car tax. They actively encourage you to report a non taxed vehicle and when you do they do virtually nothing about it! When I complained about their inaction I just got a letter back stating there were things being done 'behind the scenes' and it was NOT an 'on demand service'. In the meantime the untaxed vehicle ( and therefore uninsured) was a menace to other road users. N.B. The Police are also powerless to act.
  11. aa I've never received a N24 form before, so I have no idea what to do, also I cant seem find anything to do with the N24 we've just received on the site. All we received was 2 sheets of paper, telling us to file within 7 days, & a cryptic accompanying letter sent to our solicitor. I've attached this to the post My main question is what is "an order excluding the Defendants from the property"? Does it mean a lodger ie an excluded tenant? or something else? Is it evicting a commercial tenant? The full paragraph says : " in detail and in numbered paragraphs t
  12. Hi All, We use Virgin media business 150mb. We moved on the 28th of Oct and really need broadband for our business. However, they are saying they cannot install until the 19th. We need to be with Virgin as we are still in contract. I find it really hard to believe that they would expect a business to survive almost a month without any internet. Does anyone have any feedback on this?
  13. A few years back I had a serious Road Traffic Accident. Unable to work since. I'm 57, and now have severe osteoarthritis in my lower back, legs, etc., a right arm which has severe limitations, and a mental condition causing a lot of stress. After a recent move to another area, I visited my new Doctor, as the condition of my back seems to be getting worse, needing more and more pain relief. I asked for another scan on my back, as a previous scan showed bulging of the lumber discs. I wanted to know if this bulging was getting worse What he said to me next came as a surprise. He asked
  14. http://www.dailymail.co.uk/news/article-3167089/Family-fear-lose-home-daughter-failed-pay-4-train-ticket-three-years-ago-owe-650-fines.html Maybe needs to be in rail idk. I do agree that 30 pounds should not escalate in proportion. But bad advice by cab if true. The debt does not escalate 300 per visit.
  15. Hi All, First post on the forum, I am having a problem with Vodafone since porting my number across. Like many others by the seems of it I have no mobile data. I can call and text but no data. I have spoken to Vodafone customer services numerous time on this issue and the call has allegedly been escalated to the network team. This call has been with this team for about 10 days and I cannot get an answer as to what is happening. So far I have been through the internet settings with every customer service person on every call. I have had the texts sent to me to do the Telco
  16. Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness statement and paperwork. They asked for Adjornment via letter (not sent to us only the court) but the Judge struck out the cla
  17. Hi lovely people, I haven't been on this site for ages but I remember last time I had a problem I found it invaluable. Right, this is a long and complicated juicy nightmare ebay problem which I refuse to back down from. To start with, I bought a perfume from ebay - all looked fine on the description, seller had good feedback so I went ahead and bid. On receipt of the perfume I noticed it was a blatant fake and contacted the seller straight away. She seemed friendly and said it was a gift and had not realised it was a counterfeit as it was sealed. We ar
  18. Has anyone got either a t/phone number or an email number for BTcustomer services. im sick of being visited by an engineer who says my fault is corrected when its not and having to go through the same routine every week Thanks
  19. Hi all, new(ish) to the forum so apologies if there are stickies I've not had time to read. This is quite a long one but basically EE (obviously including T-Mobile and Orange) in my area (Ilfracombe, North Devon) have had ongoing problems with rubbishy signal since mid June. That's issue #1. Issue #2 is that a few months back my account was erroneously changed from my rolling SIM-only contract to PAYG (apparently they had a call from "me" then they admitted it was someone else and the details had been entered onto the wrong account) wishing to change from contract to PAYG. Also the accoun
  20. After a couple of years struggling in a job I hated I finally got a new job that I really like but there is always a down side and that is the lack of holidays. Yes there is 28 days leave getting it is a different story. Its a small family company, 7 employees, the others aren't to interested in holidays and take the money instead, I think so far this year they have had 3 days off. The company sets holidays at the start of the year but then cancels them at the last min saying they are to busy, for example next we are supposed to be off 2 weeks next week for summer hols, that was cut
  21. Dear members In the last few years, I had been receiving excellent service from MINI, unfortunately, I have received poor customer service. I noticed that my mileage allowance per year was very low (sadly, I did agree with it on day of making HIRE Purchase agreement) Back in April (I have been accumulating charges that I will need to pay unless I purchase the car at the end), an advisor called Liam told me that I should pay £20 in order to receive a mileage quotation. He told me that I would receive the quotation after 5 working days. I made the payment. After more than
  22. It's a very long story but in short, my neighbour's property was gutted by fire in January (unfortunately, the lady lost her life). My house was extensively damaged by smoke and Liverpool Victoria had a loss adjuster round very quickly to establish that all the contents of my cellar and loft area need to be removed for chemical cleaning/disposal, all insulation needs to be replaced, my carpets and furniture require professional cleaning and the house needs fully redecorated. I have pursued this vigorously as I have 2 young children and our belonging
  23. On Sunday afternoon, a very good friend lost his wife. (I only knew her slightly, so am upset for my friend and his children). She was 27, and they have 8 children from 13 down to one year. She felt ill in August 2013, with swollen neck glands and extremely sore throat. The GP told her she had a throat infection and would be fine in a week. No anti-biotics. In September she went back as she was worse. Told the same. She then had a period of feeling slightly better. Come November, bad again, back to the GP, still no help. She got through Xmas somehow, seemed to pick up
  24. I've not been able to find this problem already, so apologies if the answer is sitting out there and I've just missed it. Several months ago Lowell took over a debt I had been making regular payments on. No biggie - I still am making the payments, but their initial statement that they sent and my records did not match up. It seems they acquired the debt around the same time I made a payment to the previous company, leaving the amount on their records and the amount on mine out by £50. I know £50 isn't a great deal of money, but I wanted to make sure it was in the right place. After c
  25. I have filled in an ESA50 as I was unable to get to ATOS in Feb. They waited 6 moths to call me to assessment, by which time my support worker had left (benefit now reduced). My last ESA50 was filled in not very well by that support worker a year ago. I have answered honestly. Stated I can't walk as it causes me severe pain due to migraines, hydrandentis suppuravita & morbid obesity. But I'm not sure what evidence I need to support this. I have mentioned these things to my previous GP, but the fact I could get in to tell them last year & wouldn't let them see me crawl- I think th
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